<SEC-DOCUMENT>0001193125-16-620952.txt : 20160614
<SEC-HEADER>0001193125-16-620952.hdr.sgml : 20160614
<ACCEPTANCE-DATETIME>20160614115938
ACCESSION NUMBER:		0001193125-16-620952
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		94
CONFORMED PERIOD OF REPORT:	20160331
FILED AS OF DATE:		20160614
DATE AS OF CHANGE:		20160614

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NICHOLAS FINANCIAL INC
		CENTRAL INDEX KEY:			0001000045
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		IRS NUMBER:				593019317
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26680
		FILM NUMBER:		161712394

	BUSINESS ADDRESS:	
		STREET 1:		2454 MCMULLEN BOOTH RD
		STREET 2:		BLDG C SUITE 501 B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
		BUSINESS PHONE:		7277260763

	MAIL ADDRESS:	
		STREET 1:		2454 MCMULLEN BOOTH RD
		STREET 2:		BLDG C SUITE 501B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>d208905d10k.htm
<DESCRIPTION>FORM 10-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 10-K</TITLE>
</HEAD>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, DC 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM 10-K
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT><B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ACT OF 1934 </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the
fiscal year ended March&nbsp;31, 2016 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT><B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </B></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the transition period
from<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> to
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> . </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission file number: 0-26680 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>NICHOLAS
FINANCIAL, INC. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact Name of Registrant as Specified in its Charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>British Columbia, Canada</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>8736-3354</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or Other Jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Incorporation or Organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2454 McMullen Booth Road, Building C </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Clearwater, Florida 33759 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address of Principal Executive Offices, Including Zip Code) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(727) 726-0763 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Registrant&#146;s Telephone Number, Including Area Code) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Securities registered under Section&nbsp;12(b) of the Exchange Act: </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:64.15pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title of Each Class</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:156.85pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Name of Each Exchange on Which
Registered</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Common shares, no par value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>NASDAQ Global Select Market</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Securities registered under Section&nbsp;12(g) of the Exchange Act: None </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark
if the Registrant is not required to file reports pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Exchange Act.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the Registrant (1)&nbsp;has filed all reports required to be filed by Section&nbsp;13 or 15(d) of the Exchange Act during the
preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past 90 days.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark
whether the Registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such
shorter period that the Registrant was required to submit and post such
files).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if disclosure of delinquent filers pursuant to Item&nbsp;405 of Regulation S-K is not contained herein, and will not be contained, to
the best of the Registrant&#146;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See
the definitions of &#147;large accelerated filer&#148;, &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Non-accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange
Act).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">At September&nbsp;30, 2015, the aggregate market value of the Registrant&#146;s Common Shares held by non-affiliates of the Registrant was approximately $95.8
million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of June&nbsp;6, 2016, approximately 12.5&nbsp;million shares, no par value, of the Registrant were outstanding (of which approximately
4.7&nbsp;million shares were held by the Registrant&#146;s principal operating subsidiary and pursuant to applicable law, not entitled to vote and approximately 7.8&nbsp;million shares were entitled to vote). </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DOCUMENTS INCORPORATED BY REFERENCE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Portions of the Registrant&#146;s definitive Proxy Statement and Information Circular for the 2016 Annual General Meeting of Shareholders currently expected
to be held on September&nbsp;8, 2016, are incorporated by reference in Part III, Items 10 through 14, of this Annual Report on Form 10-K. </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NICHOLAS FINANCIAL, INC. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM 10-K ANNUAL REPORT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc">
</A>TABLE OF CONTENTS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page&nbsp;No.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><A HREF="#toc208905_1">PART I</A></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;1.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_2">Business</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;1A.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_3">Risk Factors</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;1B.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_4">Unresolved Staff Comments</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>15</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;2.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_5">Properties</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;3.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_6">Legal Proceedings</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;4.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_7">Mine Safety Disclosures</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><A HREF="#toc208905_8">PART&nbsp;II </A></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;5.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_9">Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;6.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_10">Selected Financial Data</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>19</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;7.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_11">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>20</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;7A.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_12">Quantitative and Qualitative Disclosures About Market Risk</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>28</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;8.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_13">Financial Statements and Supplementary Data</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>29</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;9.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_14">Changes In and Disagreements With Accountants on Accounting and Financial Disclosure</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;9A.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_15">Controls and Procedures</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;9B.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_16">Other Information</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><A HREF="#toc208905_17">PART&nbsp;III</A></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;10.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_18">Directors, Executive Officers and Corporate Governance</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;11.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_19">Executive Compensation</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;12.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_20">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;13.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_21">Certain Relationships and Related Transactions, and Director Independence</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;14.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_22">Principal Accountant Fees and Services</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>52</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><A HREF="#toc208905_23">PART&nbsp;IV </A></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;15.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><A HREF="#toc208905_24">Exhibits and Financial Statement Schedules </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>53</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Information </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Annual Report on Form 10-K (&#147;Report&#148;) contains various forward-looking statements within the meaning of Section&nbsp;27A of the Securities Act
of 1933 and Section&nbsp;21E of the Securities Exchange Act of 1934. Such statements are based on management&#146;s current beliefs and assumptions, as well as information currently available to management. When used in this document, the words
&#147;anticipate,&#148; &#147;estimate,&#148; &#147;expect,&#148; &#147;will,&#148; &#147;may,&#148; &#147;plan,&#148; &#147;believe,&#148; &#147;intend&#148; and similar expressions are intended to identify forward-looking statements. Although
Nicholas Financial, Inc., including its subsidiaries (collectively the &#147;Company&#148;), believes that the expectations reflected in such forward-looking statements are reasonable, it can give no assurance that such expectations will prove to be
correct. Such statements are subject to certain risks, uncertainties and assumptions, including but not limited to the risk factors discussed herein under &#147;Item 1A &#150; Risk Factors.&#148; Should one or more of these risks or uncertainties
materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those anticipated, estimated or expected. Among the key factors that may cause actual results to differ materially from those projected in
forward-looking statements include fluctuations in the economy, the degree and nature of competition, fluctuations in interest rates, the availability of capital at acceptable rates and terms, demand for consumer financing in the markets served by
the Company, the Company&#146;s products and services, increases in the default rates experienced on retail installment sales contracts (&#147;Contracts&#148;), regulatory changes in the Company&#146;s existing and future markets, the Company&#146;s
intentions regarding strategic alternatives, and the Company&#146;s ability to expand its business, including its ability to identify and complete acquisitions and integrate the operations of acquired businesses, to recruit and retain qualified
employees, to expand into new markets and to maintain profit margins in the face of increased pricing competition. All forward-looking statements included in this Report are based on information available to the Company as of the date of filing of
this Report, and the Company assumes no obligation to update any such forward-looking statement. Prospective investors should also consult the risk factors described from time to time in the Company&#146;s filings made with the US Securities and
Exchange Commission (&#147;SEC&#148;), including its reports on Forms 10-Q, 8-K and 10-K and annual reports to shareholders. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc208905_1"></A>PART I </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc208905_2"></A>Item&nbsp;1. Business </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>General </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc. (&#147;Nicholas
Financial-Canada&#148;) is a Canadian holding company incorporated under the laws of British Columbia in 1986. The business activities of Nicholas Financial-Canada are currently conducted exclusively through its wholly-owned indirect subsidiary,
Nicholas Financial, Inc., a Florida corporation (&#147;Nicholas Financial&#148;). Nicholas Financial is a specialized consumer finance company engaged primarily in acquiring and servicing automobile finance installment contracts
(&#147;Contracts&#148;) for purchases of new and used automobiles and light trucks. To a lesser extent, Nicholas Financial also originates direct consumer loans (&#147;Direct Loans&#148;) and sells consumer-finance related products. Nicholas
Financial&#146;s financing activities accounted for 100% of the Company&#146;s consolidated revenue for the fiscal year ended March&nbsp;31, 2016 and more than 99% of the Company&#146;s consolidated revenues for each of the fiscal years ended
March&nbsp;31, 2015 and 2014, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A second Florida subsidiary, Nicholas Data Services, Inc. (&#147;NDS&#148;), historically was engaged in
supporting and updating industry-specific computer application software for small businesses located primarily in the Southeastern United States. NDS&#146;s activities accounted for less than 1% of the Company&#146;s consolidated revenues for each
of the fiscal years ended March&nbsp;31, 2015 and 2014. NDS ceased its operations during the fiscal year ended March&nbsp;31, 2015; however it continues as the interim holding company for Nicholas Financial. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial-Canada, Nicholas Financial and NDS are hereafter collectively referred to as the &#147;Company&#148;. All financial information herein is
designated in United States dollars. References to &#147;fiscal 2016&#148; are to our fiscal year ended March&nbsp;31, 2016 and references to &#147;fiscal 2017&#148; are to our fiscal year ending March&nbsp;31, 2017. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s principal executive offices are located at 2454 McMullen Booth Road, Building C, Clearwater, Florida 33759, and its telephone number is
(727)&nbsp;726-0763. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Available Information </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s filings with the SEC, including annual reports on Form 10-K, quarterly reports on Form 10-Q, definitive proxy statements on Schedule 14A,
current reports on Form 8-K, and any amendments to those reports filed pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934, are made available free of charge through the Investor Center section of the Company&#146;s Internet
website at <U>http://www.nicholasfinancial.com</U> as soon as reasonably practicable after the Company electronically files such material with, or furnishes it to, the SEC. The Company is not including the information contained on or available
through its web site as a part of, or incorporating such information by reference into, this Report. Copies of any materials the Company files with the SEC can also be obtained free of charge through the SEC&#146;s website at
<U>http://www.sec.gov</U> or at the SEC&#146;s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Information regarding the operation of the Public Reference Room may be obtained by calling the SEC at 1-800-SEC-0330. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Growth Strategy </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s principal
goals are to increase its profitability and its long-term shareholder value through greater penetration in its current markets and controlled geographic expansion into new markets. The Company seeks to expand its automobile financing program in the
eighteen states &#151; Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin &#151; in which it currently operates
by increasing the business generated at its existing branch locations and by targeting certain geographic locations within some of these states where it believes there is a sufficient market for its automobile financing program. The Company&#146;s
strategy is to monitor these markets and ultimately decide if and where it will open additional branch locations. During fiscal 2016, the Company started buying Contracts in Wisconsin and Pennsylvania. The Company is planning to open a branch in
Pittsburgh by the end of the second quarter in fiscal 2017. Dealers in Wisconsin are serviced in our Gurnee, Illinois branch. During fiscal 2016, the Company also opened a branch in the Chicago area, and two new branch offices in Texas. The Company
consolidated two branch locations (Clearwater, FL and Birmingham, AL) into branches previously established within their market. The Company will continue to evaluate any branch locations that do not meet its minimum profitability targets and may
elect to close one or more of these branches in the future. The Company also continues to analyze other markets in states in which it does not currently operate for expansion opportunities. The Company is also evaluating the organization and its
structure. The Company&#146;s decisions on how it plans to continue operating its business strategy will be influenced by the sustainability of some of its competitors&#146; underwriting and risk-based pricing. Although the Company has not made any
bulk purchases of Contracts in over two decades, if the opportunity arises, the Company may consider </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
possible acquisitions of portfolios of seasoned Contracts from dealers in bulk transactions as a means of further penetrating its existing markets or expanding its presence in targeted geographic
locations. The Company cannot provide any assurances, however, that it will be able to further expand in either its current markets or any targeted new markets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company is currently licensed to provide Direct Loans in Florida and North Carolina. The Company does not have any current plans to expand its strategy of
soliciting current customers and expects total Direct Loans to remain less than 5% of its total portfolio for the foreseeable future. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Automobile
Finance Business &#150; Contracts </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company is engaged in the business of providing financing programs, primarily on behalf of purchasers of
new and used cars and light trucks who meet the Company&#146;s credit standards but who do not meet the credit standards of traditional lenders, such as banks and credit unions because of the customer&#146;s credit history or job instability or the
age of the vehicle being financed. Unlike traditional lenders, which look primarily to the credit history of the borrower in making lending decisions and typically finance new automobiles, the Company is willing to purchase Contracts for purchases
made by borrowers who do not have a good credit history and for older model and high-mileage automobiles. In making decisions regarding the purchase of a particular Contract, the Company considers the following factors related to the borrower:
current income; credit history; history in making installment payments for automobiles; current and prior job status; and place and length of residence. In addition, the Company examines its prior experience with Contracts purchased from the dealer
from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of
the date of this annual report on Form 10-K, the Company&#146;s automobile finance programs are conducted in eighteen states through a total of 67 branch offices, consisting of twenty in Florida, eight in Ohio, six in each of North Carolina and
Georgia, three in each of Illinois, Indiana, Kentucky, Missouri and Michigan, two in each of Alabama, South Carolina, Tennessee, Texas and Virginia, and one in each of Kansas and Maryland. The Company has also commenced Contract acquisition in
Pennsylvania utilizing the underwriting staff of the Columbus, Ohio branch location. The Company is planning to open a branch in Pittsburgh by the end of the second quarter in fiscal 2017. The Company has also commenced Contract acquisition in
Wisconsin using the underwriting staff of the Gurnee, Illinois branch location. At this time, the Company does not have any plans to open a branch in the Wisconsin area. As of March&nbsp;31, 2016 the Company had non-exclusive agreements with
approximately 4,100 dealers, of which approximately 2,300 were active, for the purchase of individual Contracts that meet the Company&#146;s financing criteria. The Company considers a dealer agreement to be active if the Company has purchased a
Contract thereunder in the last six months. Each dealer agreement requires the dealer to originate Contracts in accordance with the Company&#146;s guidelines. Once a Contract is purchased by the Company, the dealer is no longer involved in the
relationship between the Company and the borrower, other than through the existence of limited representations and warranties of the dealer in favor of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A customer under a Contract typically makes a down payment, in the form of cash or trade-in, ranging from 5% to 35% of the sale price of the vehicle financed.
The balance of the purchase price of the vehicle plus taxes, title fees and, if applicable, premiums for extended service contracts, gap insurance, roadside assistance plans, credit disability insurance and/or credit life insurance are generally
financed over a period of 12 to 72 months. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">At approximately the time of origination, the Company purchases a Contract from an automobile dealer at a
negotiated price that is less than the original principal amount being financed (the dealer discount) by the purchaser of the automobile. The amount of the dealer discount depends upon factors such as the age and value of the automobile,
creditworthiness of the customer and competition in any given market. The Company will pay more (i.e., purchase the Contract at a smaller discount from the original principal amount) for Contracts as the credit risk of the customer improves. In
certain markets, competition more significantly impacts the discount that the Company can charge. To date, the Contracts purchased by the Company have been purchased at discounts that range from 1% to 15% of the original principal amount of each
Contract. As of March&nbsp;31, 2016, the Company&#146;s loan portfolio consisted exclusively of Contracts purchased without recourse to the dealer. Although all of the Contracts in the Company&#146;s loan portfolio were acquired without recourse,
each dealer remains potentially liable to the Company for breaches of certain representations and warranties made by the dealer with respect to compliance with applicable federal and state laws and valid title to the vehicle. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s policy is to only purchase a Contract after the dealer has provided the Company with the requisite proof that the Company has a first
priority lien on the financed vehicle (or the Company has, in fact, perfected such first priority lien), that the customer has obtained the required collision insurance naming the Company as loss payee and that the Contract has been fully and
accurately completed and validly executed. Once the Company has received and approved all required documents, it pays the dealer for the Contract and commences servicing the Contract. The Company requires the owner of the vehicle to obtain and
maintain collision insurance, naming the Company as the loss payee, with a deductible of not more than $1,000. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Contract Procurement </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company currently purchases Contracts in the states listed in the table below. The Contracts purchased by the Company are predominately for used vehicles;
for the periods shown below, less than 1% were for new vehicles. The average model year </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">collateralizing the portfolio as of March&nbsp;31, 2016 was a 2007
vehicle. The dollar amounts shown in the table below represent the Company&#146;s finance receivables, net of unearned interest on Contracts purchased: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Maximum<BR>allowable<BR>interest&nbsp;rate&nbsp;(1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal year ended March&nbsp;31,</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:17.30pt; font-size:8pt; font-family:Times New Roman"><B>State</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Alabama</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,764</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Florida</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-30%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>55,270</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,653</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Georgia</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-30%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>18,227</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,423</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Illinois</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,563</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,457</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,905</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indiana</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">25%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,595</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kansas</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,052</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,165</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kentucky</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-25%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,768</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maryland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">24%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,626</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,081</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,081</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Michigan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">25%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,671</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,345</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Missouri</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,227</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">North Carolina</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-29%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>14,291</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ohio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">25%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24,520</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pennsylvania</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-21%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>392</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">South Carolina</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,145</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tennessee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,134</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Texas</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="white-space:nowrap">18-28%(3)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,965</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Virginia</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,614</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Wisconsin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(2)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>382</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>187,275</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">The maximum allowable interest rates by state are subject to change and are governed by the individual states the Company conducts business in. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">None of these states currently imposes a maximum allowable interest rate with respect to the types and sizes of Contracts the Company purchases. The maximum rate which the Company will typically charge any customer in
each of these states is 30%&nbsp;per annum. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">The maximum allowable interest rate in each of these states varies depending upon the model year of the vehicle being financed. In addition, Georgia does not currently impose a maximum allowable interest rate with
respect to Contracts over $5,000. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table presents selected information on Contracts purchased by the Company, net of unearned
interest: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal year ended March&nbsp;31,</B><br><B>(Purchases in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:33.75pt; font-size:8pt; font-family:Times New Roman"><B>Contracts</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>187,275</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted APR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22.66</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average dealer discount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7.51</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average term (months)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average loan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,348</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number of Contracts purchased</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16,503</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Direct Loans </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Company currently originates Direct Loans in Florida and North Carolina. Direct Loans are loans originated directly between the Company and the consumer. These loans are typically for amounts ranging from $1,000 to $9,000 and are generally secured
by a lien on an automobile, watercraft or other permissible tangible personal property. The average loan made to date by the Company had an initial principal balance of approximately $4,000. The Company does not expect the average loan size to
increase significantly within the foreseeable future. The majority of Direct Loans are originated with current or former customers under the Company&#146;s automobile </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
financing program. The typical Direct Loan represents a significantly better credit risk than our typical Contract due to the customer&#146;s historical payment history with the Company. The
Company does not have a Direct Loan license in Alabama, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia or Wisconsin, and none is presently required in Georgia (as
long as the Direct Loan is greater than $3,000). The Company is currently not pursuing Direct Loans in Georgia. The Company does not expect to pursue a Direct Loan license in any other state during the fiscal year ending March&nbsp;31, 2017. The
size of the loan and maximum interest rate that can be charged vary from state to state. In deciding whether or not to make a loan, the Company considers the individual&#146;s income, credit history, job stability, and the value of the collateral
offered by the borrower to secure the loan. Additionally, because most of the Direct Loans made by the Company to date have been made to borrowers under Contracts previously purchased by the Company, the payment history of the borrower under the
Contract is a significant factor in making the loan decision. The Company&#146;s Direct Loan program was implemented in April 1995 and accounted for approximately 3% of the Company&#146;s annual consolidated revenues during the year ended
March&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with its Direct Loan program, the Company also makes available credit disability, credit life insurance, and
involuntary unemployment insurance coverage to customers through an unaffiliated third-party insurance carrier. Customers in approximately 76% of the approximate 3,000 Direct Loan transactions outstanding as of March&nbsp;31, 2016 had elected to
purchase third-party insurance coverage made available by the Company. The cost of this insurance is included in the amount financed by the customer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
following table presents selected information on Direct Loans originated by the Company, net of unearned interest: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal year ended March&nbsp;31,</B><br><B>(Originations in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:44.20pt; font-size:8pt; font-family:Times New Roman"><B>Direct Loans</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Originations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,578</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,787</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted APR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>25.82</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.72</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average term (months)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>30</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average loan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,589</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number of contracts originated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,669</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Underwriting Guidelines </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s typical customer has a credit history that fails to meet the lending standards of most banks and credit unions. Among the credit problems
experienced by the Company&#146;s customers that resulted in a poor credit history are: unpaid revolving credit card obligations; unpaid medical bills; unpaid student loans; prior bankruptcy; and evictions for nonpayment of rent. The Company
believes that its customer profile is similar to that of its direct competitors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Prior to its approval of the purchase of a Contract, the Company is
provided with a standardized credit application completed by the consumer which contains information relating to the consumer&#146;s background, employment, and credit history. The Company also obtains credit reports from Equifax, Experian and/or
TransUnion, which are independent credit reporting services. The Company verifies the consumer&#146;s employment history, income and residence. In most cases, consumers are interviewed via telephone by a Company application processor. The Company
also considers the customer&#146;s prior payment history with the Company, if any, as well as the collateral value of the vehicle being financed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Company has established internal buying guidelines to be used by its Branch Managers and internal underwriters when purchasing Contracts. Any Contract that does not meet these guidelines must be approved by the senior management of the Company. The
Company currently has District Managers charged with managing the specific branches in a defined geographic area. In addition to a variety of administrative duties, the District Managers are responsible for monitoring their assigned branches&#146;
compliance with the Company&#146;s underwriting standards. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company uses essentially the same criteria in analyzing a Direct Loan as it does in
analyzing the purchase of a Contract. Lending decisions regarding Direct Loans are made based upon a review of the customer&#146;s loan application, income, credit history, job stability, and the value of the collateral offered by the borrower to
secure the loan. To date, since the majority of the Company&#146;s Direct Loans have been made to individuals whose automobiles have been financed by the Company, the customer&#146;s payment history under his or her existing or past Contract is a
significant factor in the lending decision. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">After reviewing the information included in the Contract or Direct Loan application and taking the other
factors into account, the Company&#146;s loan origination system categorizes the customer using internally developed credit classifications of &#147;1,&#148; indicating higher creditworthiness, through &#147;6,&#148; indicating lower
creditworthiness. Contracts are financed for individuals who fall within all six acceptable rating categories utilized, &#147;1&#148; through &#147;6&#148;. Usually a customer who falls within the two highest categories (i.e., &#147;1&#148; or
&#147;2&#148;) is purchasing a two to four-year old, low mileage used automobile from the inventory of a new car or franchise dealer, while a customer in any of the three lowest categories (i.e., &#147;4,&#148; &#147;5,&#148; or &#147;6&#148;)
usually is purchasing an older, high mileage automobile from an independent used automobile dealer. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company utilizes internal audit ( the &#147;IA&#148;) to perform on-site audits of its branches&#146;
compliance with Company underwriting guidelines. IA audits Company branches on a schedule that is variable depending on the size of the branch, length of time a branch has been open, current tenure of the Branch Manager, previous branch audit score
and current and historical branch profitability. IA reports directly to the SVP of Operations of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Monitoring and Enforcement of
Contracts </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company requires each customer under a Contract to obtain and maintain collision insurance covering damage to the vehicle. Failure
to maintain such insurance constitutes a default under the Contract, and the Company may, at its discretion, repossess the vehicle. To reduce potential loss due to insurance lapse, the Company has the contractual right to force place collateral
protection insurance through a third-party, which covers loss due to physical damage to a vehicle not covered by any insurance policy of the customer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s Management Information Services personnel maintain a number of reports to monitor compliance by customers with their obligations under
Contracts and Direct Loans made by the Company. These reports may be accessed on a real-time basis throughout the Company by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch
office. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer analysis reports, static pool reports, and repossession reports. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The report includes
information such as the account number, address of the customer, phone numbers of the customer, original term of the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled
payment amount, amount of last payment, total past due, and special payment arrangements or agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Any account that is less than 120 days old is
included on the delinquency report on the first day that the Contract is contractually past due. Once an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an acceptable
explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the account to current status. When an account is 61 days past due, the Company ceases recognition of income on the
Contract and repossession proceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has been repossessed, the related loan balance no longer appears on the delinquency
report. Instead, the vehicle appears on the Company&#146;s repossession report and is sold, either at auction or to an automobile dealer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">When an account
becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to determine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the
information is entered in its database and is used to generate a &#147;Promises Report,&#148; which is utilized by the Company&#146;s collection staff for account follow up. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of repossessed vehicles.
In addition to information regarding the customer, this report provides information regarding the date of repossession, date the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage,
payoff amount on the Contract, NADA book value, Black Book value, suggested sale price, location of the vehicle, original dealer and condition of the vehicle, as well as notes other information that may be helpful to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This report allows the
Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from such dealer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s
policy is to pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made beginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made payment
arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request is generally contemplated by the responsible branch office employee for approval by the Branch Manager for the vicinity in which the
borrower lives; however, each account is unique and looked at individually. Once the repossession request has been approved, first by the Branch Manager and second by the applicable District Manager, it must then be approved by the Director of Loss
Recovery. The repossessor delivers the vehicle to a secure location specified by the Company. The Company maintains relationships with several licensed repossession firms that repossess vehicles for fees that range from $250 to $500 for each vehicle
repossessed. As required by Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin law, the customer is notified by
certified letter that the vehicle has been repossessed and what the customer needs to do in order to regain their vehicle. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Generally, the minimum requirement for return of the vehicle is payment of all past due amounts under the
Contract and all expenses associated with the repossession incurred by the Company. If satisfactory arrangements for return of the vehicle are not made within the statutory period, the Company then sends title to the vehicle to the applicable state
title transfer department, which then registers the vehicle in the name of the Company. The Company then either sells the vehicle to a dealer or has it transported to an automobile auction for sale. On average, approximately 30 days lapse between
the time the Company takes possession of a vehicle and the time it is sold to a dealer or at auction. When the Company determines that there is a reasonable likelihood of recovering part or all of any deficiency against the customer under the
Contract, it pursues legal remedies available to it, including lawsuits, judgment liens and wage garnishments. Historically, the Company has recovered approximately 10-18% of deficiencies from such customers. Proceeds from the disposition of the
vehicles are not included in calculating the foregoing percentage range. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Marketing and Advertising </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s Contract marketing efforts currently are directed exclusively toward automobile dealers. The Company attempts to meet dealers&#146; needs
by offering highly-responsive, cost-competitive and service-oriented financing programs. The Company relies on its District and Branch Managers to solicit agreements for the purchase of Contracts with automobile dealers located within a 30-mile
radius of each branch office. The Branch Manager provides dealers with information regarding the Company and the general terms upon which the Company is willing to purchase Contracts. The Company presently has no plans to implement any other forms
of advertising, such as radio or newspaper advertisements, for the purchase of Contracts. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company solicits customers under its Direct Loan program
primarily through direct mailings, followed by telephone calls to individuals who have a good credit history with the Company in connection with Contracts purchased by the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Computerized Information System </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company uses
a third party loan origination system and an internally developed loan servicing system to assist in responding to customer inquiries and to monitor the performance of its Contract and Direct Loan portfolio and the performance of individual
customers under Contracts. All Company personnel are provided with real-time access to information. The Company has created specialized programs to automate the tracking of Contracts and Direct Loans from inception. The Company&#146;s computer
network encompasses both its corporate headquarters and its branch office locations. See &#147;Monitoring and Enforcement of Contracts&#148; above for a summary of the different reports prepared by the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Competition </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The consumer finance industry is
highly fragmented and highly competitive. Due to various factors, including the existing low interest rate environment, the competitiveness of the industry continues to increase as new competitors continue to enter the market and certain existing
competitors continue to expand their operations. There are numerous financial service companies that provide consumer credit in the markets served by the Company, including banks, credit unions, other consumer finance companies, and captive finance
companies owned by automobile manufacturers and retailers. Many of these companies have significantly greater resources than the Company. Increased competition for the purchase of Contracts has caused a reduction in the interest rates payable by
many individual purchasers of automobiles, and the Company believes that continued increased competition could materially reduce such interest rates in the foreseeable future. In addition, increased competition for the purchase of Contracts has
enabled automobile dealers to shop for the best price, thereby giving rise to an erosion in the dealer discounts from the initial principal amounts at which the Company is willing to purchase Contracts and higher advance rates. The Company&#146;s
average dealer discount for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 was 7.51%, 8.08% and 8.44%, respectively. Further, increased competition has resulted in the purchase of lower credit quality Contracts, though these Contracts
are still acceptable under the Company&#146;s underwriting guidelines. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s target market consists of persons who are generally unable to
obtain traditional used car financing because of their credit history or the vehicle&#146;s mileage or age. The Company has been able to expand its automobile finance business in the non-prime credit market by offering to purchase Contracts on terms
that are competitive with those of other companies which purchase automobile receivables in that market segment. Because of the daily contact that many of its employees have with automobile dealers located throughout the market areas served by it,
the Company is generally aware of the terms upon which its competitors are offering to purchase Contracts. The Company&#146;s policy is to modify its terms, if necessary, to remain competitive. However, the Company generally will not sacrifice its
purchasing criteria or prudent business practices in order to meet the competition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s ability to compete effectively with other
companies offering similar financing arrangements depends in part upon the Company maintaining close business relationships with dealers of new and used vehicles. No single dealer out of the approximately 2,300 dealers with which the Company
currently has active Contractual relationships accounted for over 1% of its business volume for any of the fiscal years ended March&nbsp;31, 2016, 2015 or 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Regulation </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s financing operations are subject to regulation, supervision and licensing under various federal, state and local statutes, regulations and
ordinances. Additionally, the procedures that the Company must follow in connection with the repossession of vehicles securing Contracts are regulated by each of the states in which the Company does business. To date, the Company&#146;s operations
have been conducted exclusively in the states of Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin. Accordingly,
the laws of such states, as well as applicable federal law, govern the Company&#146;s operations. The following constitute certain of the existing federal, state and local statutes, regulations and ordinances with which the Company must comply: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>State consumer regulatory agency requirements.</I> Pursuant to state regulations, on-site audits can be conducted for each of the Company&#146;s branches located within Florida, Alabama, Illinois, Indiana, Michigan
and Missouri to monitor compliance with applicable regulations. These regulations include, but are not limited to: licensure requirements; requirements for maintenance of proper records; payment of required fees; maximum interest rates that may be
charged on loans to finance used vehicles; and proper disclosure to customers regarding financing terms. Pursuant to North Carolina law, the Company&#146;s Direct Loan activities in that state are subject to similar periodic on-site audits by the
North Carolina Office of the Commissioner of Banks. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>State licensing requirements.</I> The Company maintains a Sales Finance Company License with the Florida Department of Banking and Finance, as well as consumer loan licenses in Florida and North Carolina. In
addition, each of the dealers that the Company does business with is required to maintain a Retail Installment Seller&#146;s License with each state in which it operates. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Fair Debt Collection Practices Act.</I> The Fair Debt Collection Practices Act (&#147;FDCPA&#148;) and applicable state law counterparts prohibit the Company from contacting customers during certain times and at
certain places, from using certain threatening practices and from making false implications when attempting to collect a debt. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Truth in Lending Act.</I> The Truth in Lending Act (&#147;TILA&#148;) requires the Company and the dealers it does business with to make certain disclosures to customers, including the terms of repayment, the total
finance charge and the annual percentage rate charged on each Contract or Direct Loan. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Equal Credit Opportunity Act.</I> The Equal Credit Opportunity Act (&#147;ECOA&#148;) prohibits creditors from discriminating against loan applicants on the basis of race, color, sex, age or marital status. Pursuant
to Regulation B promulgated under the ECOA, creditors are required to make certain disclosures regarding consumer rights and advise consumers whose credit applications are not approved of the reasons for the rejection. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Fair Credit Reporting Act.</I> The Fair Credit Reporting Act (&#147;FCRA&#148;) requires the Company to provide certain information to consumers whose credit applications are not approved on the basis of a report
obtained from a consumer-reporting agency. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Gramm-Leach-Bliley Act.</I> The Gramm-Leach-Bliley Act (&#147;GLBA&#148;) requires the Company to maintain privacy with respect to certain consumer data in its possession and to periodically communicate with
consumers on privacy matters. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Servicemembers Civil Relief Act.</I> The Servicemembers Civil Relief Act (&#147;SCRA&#148;) requires the Company to reduce the interest rate charged on each loan to customers who have subsequently joined, enlisted,
been inducted or called to active military duty. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Electronic Funds Transfer Act.</I> The Electronic Funds Transfer Act (&#147;EFTA&#148;) prohibits the Company from requiring its customers to repay a loan or other credit by electronic funds transfer
(&#147;EFT&#148;), except in limited situations which do not apply to the Company. The Company is also required to provide certain documentation to its customers when an EFT is initiated and to provide certain notifications to its customers with
regard to preauthorized payments. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Telephone Consumer Protection Act.</I> The Telephone Consumer Protection Act (&#147;TCPA&#148;) governs the Company&#146;s practice of contacting customers by certain means i.e. auto dealers, pre-recorded or
artificial voice calls on customers&#146; land lines, fax machines and cell phones, including text messages. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"><I>Bankruptcy.</I> Federal bankruptcy and related state laws may interfere with or affect the Company&#146;s ability to recover collateral or enforce a deficiency judgment. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I>Dodd-Frank Wall Street Reform and Consumer Protection Act 0f 2010 (&#147;Dodd-Frank Act&#148;). </I>Title X of
the Dodd-Frank Act created the Consumer Financial Protection Bureau (&#147;CFPB&#148;), which, effective as of July&nbsp;21, 2011, has the authority to issue and enforce regulations under the federal &#147;enumerated consumer laws,&#148; including
(subject to certain statutory limitations) FDCPA, TILA, ECOA, FCRA, GLBA and EFTA. The CFPB has rulemaking and enforcement authority over certain non-depository institutions, including us. The CFPB is specifically authorized, among other things, to
take actions to prevent companies providing consumer financial products or services and their service providers from engaging in unfair, deceptive or abusive acts or practices in connection with consumer financial products and services, and to issue
rules requiring enhanced disclosures for consumer financial products or services. Under the Dodd-Frank Act, the CFPB </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>


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also may restrict the use of pre-dispute mandatory arbitration clauses in contracts between covered persons and consumers for a consumer financial product or service. The CFPB also has authority
to interpret, enforce, and issue regulations implementing enumerated consumer laws, including certain laws that apply to our business. The CFPB recently issued rules regarding the supervision and examination of non-depository &#147;larger
participants&#148; in the automobile finance business. Since we are deemed a larger participant, we are subject to supervision and examination by the CFPB. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Failure to comply with these laws or regulations could have a material adverse effect on us by, among other things, limiting the jurisdictions in which we may
operate, restricting our ability to realize the value of the collateral securing the Contracts, making it more costly or burdensome to do business or resulting in potential liability. The volume of new or modified laws and regulations and the
activity of agencies enforcing such law have increased in recent years in response to issues arising with respect to consumer lending. From time to time, legislation and regulations are enacted which increase the cost of doing business, limit or
expand permissible activities or affect the competitive balance among financial services providers. Proposals to change the laws and regulations governing the operations and taxation of financial institutions and financial services providers are
frequently made in the U.S. Congress, in the state legislatures and by various regulatory agencies. This legislation may change our operating environment in substantial and unpredictable ways and may have a material adverse effect on our business.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In particular, the Dodd-Frank Act and regulations promulgated thereunder, including the rules regarding supervision and examination recently issued by
the CFPB, are likely to affect our cost of doing business, may limit or expand our permissible activities, may affect the competitive balance within our industry and market areas and could have a material adverse effect on us. Our management
continues to assess the Dodd-Frank Act&#146;s probable impact on our business, financial condition and results of operations, and to monitor developments involving the entities charged with promulgating regulations thereunder. However, the ultimate
effect of the Dodd-Frank Act on the financial services industry in general, and on us in particular, is uncertain at this time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition to the CFPB,
other state and federal agencies have the ability to regulate aspects of our business. For example, the Dodd-Frank Act provides a mechanism for state Attorneys General to investigate us. In addition, the Federal Trade Commission has jurisdiction to
investigate aspects of our business. We expect that regulatory investigation by both state and federal agencies will continue and that the results of these investigations could have a material adverse impact on us. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dealers with which we do business must also comply with credit and trade practice statutes and regulations. Failure of these dealers to comply with such
statutes and regulations could result in customers having rights of rescission and other remedies that could have a material adverse effect on us. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
sale of vehicle service contracts and other ancillary products by dealers in connection with Contracts assigned to us from dealers is also subject to state laws and regulations. As we are the holder of the Contracts that may, in part, finance these
products, some of these state laws and regulations may apply to our servicing and collection of the Contracts. Although these laws and regulations may not significantly affect our business, there can be no assurance that insurance or other
regulatory authorities in the jurisdictions in which these products are offered by dealers will not seek to regulate or restrict the operation of our business in these jurisdictions. Any regulation or restriction of our business in these
jurisdictions could materially adversely affect the income received from these products. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s management believes that the Company
maintains all requisite licenses and permits and is in material compliance with applicable local, state and federal laws and regulations. The Company periodically reviews its branch office practices in an effort to ensure such compliance. In
addition, the Company continues to increase the size of its compliance department in response to the increasing complexity of the regulatory environment. Although compliance with existing laws and regulations has not had a material adverse effect on
the Company&#146;s operations to date, given the increasingly complex regulatory environment, the increasing costs of complying with such laws and regulations, and the increasing risk of penalties, fines or other liabilities associated therewith, no
assurances can be given that we are in material compliance with all of such laws or regulations or that the costs of such compliance, or the failure to be in such compliance, will not have a material adverse effect on our business, financial
condition or results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employees </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Company&#146;s management and various support functions are centralized at the Company&#146;s Corporate Headquarters in Clearwater, Florida. As of March&nbsp;31, 2016 the Company employed a total of 333 persons, of which 41 persons were employed at
the Company&#146;s Corporate Headquarters. None of the Company&#146;s employees are subject to a collective bargaining agreement, and the Company considers its relations with its employees generally to be good. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc208905_3"></A>Item&nbsp;1A. Risk Factors </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The following factors, as well as other factors not set forth below, may adversely affect the business, operations, financial condition or results of
operations of the Company (sometimes referred to in this section as &#147;we&#148; &#147;us&#148; or &#147;our&#148;). </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We operate in an
increasingly competitive market. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The non-prime consumer-finance industry is highly competitive, and the competitiveness of the market continues to
increase as new competitors continue to enter the market and certain existing competitors continue to expand their operations and become more aggressive in offering competitive terms. There are numerous financial service companies that provide
consumer credit in the markets served by us, including banks, credit unions, other consumer finance companies and captive finance companies owned by automobile manufacturers and retailers. Many of these competitors have substantially greater
financial resources than us. In addition, our competitors often provide financing on terms more favorable to automobile purchasers or dealers than we offer. Many of these competitors also have long-standing relationships with automobile dealerships
and may offer dealerships or their customers other forms of financing, including dealer floor-plan financing and leasing, which are not provided by us. Providers of non-prime consumer financing have traditionally competed primarily on the basis of:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">interest rates charged; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the quality of credit accepted; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">dealer discount; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">amount paid to dealers relative to the wholesale book value; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the flexibility of loan terms offered; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the quality of service provided. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our ability to compete effectively with other companies offering similar
financing arrangements depends in part on our ability to maintain close relationships with dealers of new and used vehicles. We may not be able to compete successfully in this market or against these competitors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have focused on a segment of the market composed of consumers who typically do not meet the more stringent credit requirements of traditional consumer
financing sources and whose needs, as a result, have not been addressed consistently by such financing sources. As new and existing providers of consumer financing have undertaken to penetrate our targeted market segment, we have experienced
increasing pressure to reduce our interest rates, fees and dealer discounts in order to maintain our market share. The Company&#146;s average dealer discount for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 was 7.51%, 8.08%, and 8.44%,
respectively. Further reductions in our interest rates, fees or dealer discount rates could have a material adverse impact on our profitability or financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The Dodd-Frank Act authorizes the CFPB to adopt rules that could potentially have a material adverse effect on our operations and financial performance.
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Title X of the Dodd-Frank Act established the CFPB, which became operational on July&nbsp;21, 2011. Under the Dodd-Frank Act, the CFPB has
regulatory, supervisory and enforcement powers over providers of consumer financial products, such as Contracts and the Direct Loans that we offer, including explicit supervisory authority to examine and require registration of installment lenders
such as ourselves. Included among the powers afforded to the CFPB is the authority to adopt rules describing specified acts and practices as being &#147;unfair,&#148; &#147;deceptive&#148; or &#147;abusive,&#148; and hence unlawful. Although the
Dodd-Frank Act expressly provides that the CFPB has no authority to establish usury limits, some consumer advocacy groups have suggested that certain forms of alternative consumer finance products, such as installment loans, should be a regulatory
priority and it is possible that at some time in the future the CFPB could propose and adopt rules making such lending or other products that we may offer materially less profitable or impractical. Further, the CFPB may target specific features of
loans by rulemaking that could cause us to cease offering certain products. Any such rules could have a material adverse effect on our business, results of operation and financial condition. The CFPB could also adopt rules imposing new and
potentially burdensome requirements and limitations with respect to any of our current or future lines of business, which could have a material adverse effect on our operations and financial performance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition to the Dodd-Frank Act&#146;s grant of regulatory powers to the CFPB, the Dodd-Frank Act gives the CFPB authority to pursue administrative
proceedings or litigation for violations of federal consumer financial laws. In these proceedings, the CFPB can obtain cease and desist orders (which can include orders for restitution or rescission of contracts, as well as other kinds of
affirmative relief) and monetary penalties ranging from $5,000 per day for minor violations of federal consumer financial laws (including the CFPB&#146;s own rules) to $25,000 per day for reckless violations and $1 million per day for knowing
violations. If we are subject to such administrative proceedings, litigation, orders or monetary penalties in the future, this could have a material adverse effect on our </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
operations and financial performance. Also, where a company has violated Title X of the Dodd-Frank Act or CFPB regulations under Title X, the Dodd-Frank Act empowers state attorneys general and
state regulators to bring civil actions for the kind of cease and desist orders available to the CFPB (but not for civil penalties). If the CFPB or one or more state officials believe we have violated the foregoing laws, they could exercise their
enforcement powers in ways that would have a material adverse effect on us. See &#147;Item 1. Business &#150; Regulation&#148; for additional information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Pursuant to the authority granted to it under the Dodd-Frank Act, the CFPB adopted rules that subject larger nonbank automobile finance companies such as
us to supervision and examination by the CFPB. Any such examination by the CFPB likely would have a material adverse effect on our operations and financial performance. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The CFPB issued rules regarding the supervision and examination of non-depository &#147;larger participants&#148; in the automobile finance business,
including us. Since we are deemed a larger participant, we are subject to supervision and examination by the CFPB. The CFPB&#146;s stated objectives of such examinations are: to assess the quality of a larger participant&#146;s compliance management
systems for preventing violations of federal consumer financial laws; to identify acts or practices that materially increase the risk of violations of federal consumer finance laws and associated harm to consumers; and to gather facts that help
determine whether the larger participant engages in acts or practices that are likely to violate federal consumer financial laws in connection with its automobile finance business. Thus, as a larger participant, we will be subject to examination by
the CFPB for, among other things, ECOA compliance; unfair, deceptive or abusive acts or practices (&#147;UDAAP&#148;) compliance; and the adequacy of our compliance management systems. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In February 2016, the CFPB published a list of nine policy priorities on which it intends to focus its resources over the next two years. These priorities
include, among other things, initiation of the rulemaking process regarding debt collection practices that would apply to third-party collectors and first-party collectors and continued examination and investigation of, and potential rulemaking
regarding, consumer credit reporting practices. The timing and impact of these anticipated rules on our business remain uncertain. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have evaluated our
existing compliance management systems and are in the process of updating, improving and/or replacing such systems. We expect this process to continue as the CFPB promulgates new and evolving rules and interpretations. Given the time and effort
needed to establish, implement and maintain adequate compliance management systems and the resources and costs associated with being examined by the CFPB, such an examination would likely have a material adverse effect on our business, financial
condition and profitability. Moreover, any such examination by the CFPB could result in the assessment of penalties, including fines, and other remedies which could, in turn, have a material effect on our business, financial condition and
profitability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We are subject to many other laws and governmental regulations, and any material violations of or changes in these laws or regulations
could have a material adverse effect on our financial condition and business operations. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our financing operations are subject to regulation,
supervision and licensing under various other federal, state and local statutes and ordinances. Additionally, the procedures that we must follow in connection with the repossession of vehicles securing Contracts are regulated by each of the states
in which we do business. The various federal, state and local statutes, regulations, and ordinances applicable to our business govern, among other things: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">licensing requirements; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">requirements for maintenance of proper records; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">payment of required fees to certain states; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">maximum interest rates that may be charged on loans to finance new and used vehicles; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">debt collection practices; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">proper disclosure to customers regarding financing terms; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">privacy regarding certain customer data; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">interest rates on loans to customers; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">late fees and insufficient fees charged; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">telephone solicitation of Direct Loan customers; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">collection of debts from loan customers who have filed bankruptcy. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We believe that we maintain all material
licenses and permits required for our current operations and are in substantial compliance with all applicable local, state and federal regulations. Our failure, or the failure by dealers who originate the Contracts we purchase, to maintain all
requisite licenses and permits, and to comply with other regulatory requirements, could result in consumers having rights of rescission and other remedies that could have a material adverse effect on our financial condition. Furthermore, any changes
in applicable laws, rules and regulations, such as the passage of the Dodd-Frank Act and the creation of the CFPB, may make our compliance therewith more difficult or expensive or otherwise materially adversely affect our business and financial
condition. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We are subject to risks associated with litigation. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based upon, among other
things: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">usury laws; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">disclosure inaccuracies; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">wrongful repossession; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">violations of bankruptcy stay provisions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">certificate of title disputes; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">fraud; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">breach of contract; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">discriminatory treatment of credit applicants. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Some litigation against us could take the form of class action
complaints by consumers. As the assignee of Contracts originated by dealers, we may also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by consumers in these types of actions
can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, statutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as
ours, including employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses in the future as a result of litigation or other legal proceedings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our profitability and future growth depend on our continued access to bank financing. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The profitability and growth of our business currently depend on our ability to access bank debt at competitive rates. We currently depend on a $225.0 million
line of credit facility with a financial institution to finance a large portion of our purchases of Contracts and fund our Direct Loans. This line of credit currently has a maturity date of January&nbsp;30, 2018 and is secured by substantially all
our assets. At March&nbsp;31, 2016, we had $211.0 million outstanding under the line of credit and $14.0 million available for additional borrowing. As of June&nbsp;13, 2016 we had $209.0 million outstanding under the line of credit and $16.0
million available for additional borrowing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The availability of our credit facility depends, in part, on factors outside of our control, including
regulatory capital treatment for unfunded bank lines of credit and the availability of bank loans in general. Our average indebtedness under the line of credit increased to $208.2 million in fiscal 2016 from $133.4 million in fiscal 2015 and $127.1
million in fiscal 2014. Therefore, we cannot guarantee that this credit facility will continue to be available beyond the current maturity date on reasonable terms or at all. If we are unable to renew or replace our credit facility or find
alternative financing at reasonable rates or upon reasonable terms, we may be forced to liquidate. We will continue to depend on the availability of our line of credit, together with cash from operations, to finance our future operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The terms of our indebtedness impose significant restrictions on us. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our existing outstanding indebtedness restricts our ability to, among other things: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

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<TR>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">sell or transfer assets; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">incur additional debt; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">repay other debt; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">make certain investments or acquisitions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">repurchase or redeem capital stock; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">engage in mergers or consolidations; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">engage in certain transactions with subsidiaries and affiliates. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, our line of credit facility
requires us to comply with certain financial ratios and covenants and to satisfy specified financial tests, including maintenance of asset quality and portfolio performance tests. The need to comply with such covenants and other
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>


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provisions could impact our ability to pay dividends to our shareholders. Moreover, our ability to continue to meet those financial ratios and tests could be affected by events beyond our
control. Failure to meet any of these covenants, financial ratios or financial tests could result in an event of default under our line of credit facility. If an event of default occurs under this credit facility, our lenders may take one or more of
the following actions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increase our borrowing costs; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">restrict our ability to obtain additional borrowings under the facility; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">accelerate all amounts outstanding under the facility; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">enforce their interest against collateral pledged under the facility. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If our lender accelerates our debt
payments, our assets may not be sufficient to fully repay the debt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We will require a significant amount of cash to service our indebtedness and meet
our other liquidity needs. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our ability to make payments on or to refinance our indebtedness and to fund our operations and planned capital
expenditures depends on our future operating performance. Our primary cash requirements include the funding of: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Contract purchases and Direct Loans; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">interest payments under our line of credit facility and other indebtedness; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">capital expenditures for technology and facilities; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">ongoing operating expenses; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">planned expansions by opening additional branch offices; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any required income tax payments. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, because we expect to continue to require substantial amounts
of cash for the foreseeable future, we may seek additional debt or equity financing. The type, timing and terms of the financing we select will be dependent upon our cash needs, the availability of other financing sources and the prevailing
conditions in the financial markets. There is no assurance that any of these sources will be available to us at any given time or that the terms on which these sources may be available will be favorable. Our inability to obtain such additional
financing on reasonable terms could adversely impact our ability to grow. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our high level of indebtedness could have important consequences for our
business. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our high level of indebtedness could have important consequences for our business. For example, </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we may be unable to satisfy our obligations under our outstanding indebtedness; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we may find it more difficult to fund future working capital, capital expenditures, acquisitions, and general corporate needs; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we may have to dedicate a substantial portion of our cash resources to the payments on our outstanding indebtedness, thereby reducing the funds available for operations and future business opportunities; and
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we may be more vulnerable to adverse general economic and industry conditions. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our ability to make payments
on, or to refinance, our indebtedness will depend on our future operating performance, including our ability to access additional debt and equity financing, which to a certain extent, is subject to economic, financial, competitive and other factors
beyond our control. If new debt is added to our current levels, the risks described above could intensify. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We may experience high delinquency and loss
rates in our loan portfolios, which could reduce our profitability. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our profitability depends, to a material extent, on the performance of Contracts
that we purchase. Historically, we have experienced higher delinquency rates than traditional financial institutions because substantially all of our loans are to non-prime borrowers, who are unable to obtain financing from traditional sources due
to their credit history. Our underwriting standards and collection procedures, may not offer adequate protection against the risk of default, especially in periods of economic uncertainty and high unemployment such as have existed over much of the
past few years. In the event of a default, the collateral value of the financed vehicle usually does not cover the outstanding loan balance and costs of recovery. Higher than anticipated delinquencies and defaults on our Contracts would reduce our
profitability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, in the event we were to make any bulk purchases of seasoned Contracts, we may experience higher than normal delinquency rates
with respect to these loan portfolios due to our inability to apply our underwriting standards to each loan comprising the acquired portfolios. No assurances can be given that we would be able to successfully mitigate the high credit risk associated
with the loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Other than limited representations and warranties made by dealers in favor of the Company, Contracts are
purchased from the dealers without recourse, and we are therefore only able to look to the borrowers for repayment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We depend upon our relationships
with our dealers. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our business depends in large part upon our ability to establish and maintain relationships with reputable dealers who originate
the Contracts we purchase. Although we believe we have been successful in developing and maintaining such relationships, such relationships are not exclusive, and many of them are not longstanding. There can be no assurances that we will be
successful in maintaining such relationships or increasing the number of dealers with whom we do business, or that our existing dealer base will continue to generate a volume of Contracts comparable to the volume of such Contracts historically
generated by such dealers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our success depends upon our ability to implement our business strategy. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our financial position depends on management&#146;s ability to execute our business strategy. Key factors involved in the execution of our business strategy
include achievement of the desired Contract purchase volume, the use of effective risk management techniques and collection methods, continued investment in technology to support operating efficiency, and continued access to significant funding and
liquidity sources. Our failure or inability to execute any element of our business strategy could have a material adverse effect on our business and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our business is highly dependent upon general economic conditions. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are subject to changes in general economic conditions that are beyond our control. During periods of economic uncertainty, such as has existed for much of
the past few years, delinquencies, defaults, repossessions and losses generally increase, absent offsetting factors. These periods also may be accompanied by decreased consumer demand for automobiles and declining values of automobiles securing
outstanding loans, which weakens collateral coverage on our loans and increases the amount of a loss we would experience in the event of default. Because we focus on non-prime borrowers, the actual rates of delinquencies, defaults, repossessions and
losses on these loans are higher than those experienced in the general automobile finance industry and could be more dramatically affected by a general economic downturn. In addition, during an economic slowdown or recession, our servicing costs may
increase without a corresponding increase in our servicing income. No assurances can be given that our underwriting criteria and collection methods to manage the higher risk inherent in loans made to non-prime borrowers will afford adequate
protection against these risks. Any sustained period of increased delinquencies, defaults, repossessions or losses or increased servicing costs could have a material adverse effect on our business and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Furthermore, in a low interest-rate environment such as has existed in the United States in recent years, the level of competition increases in the non-prime
consumer-finance industry as new competitors enter the market and many existing competitors expand their operations. Such increased competition, in turn, exerts increasing pressure on us to reduce our interest rates, fees and dealer discount rates
in order to maintain our market share. Reductions in our interest rates, fees or dealer discount rates could have a material adverse impact on our profitability or financial condition. For example, the weighted average APR of our portfolio decreased
from 22.93% to 22.73% for the fiscal years ended March&nbsp;31, 2015 and 2016, respectively. Our average dealer discount decreased from 8.08% to 7.51% for the fiscal years ended March&nbsp;31, 2015 and 2016, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Recent economic developments may adversely affect our business and financial condition. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Over the past several years, the United States has experienced a period of economic uncertainty and wage stagnation that has adversely affected our business
and financial condition. Stagnant wages and a continued lack of available credit have contributed to higher delinquencies and losses than we would otherwise experience. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Additionally, stagnant wages, fluctuating gasoline prices, unstable real estate values, food inflation, resets of adjustable rate mortgages and other factors
have adversely impacted consumer confidence and disposable income. These conditions have increased loss frequency, decreased consumer demand for automobiles and weakened collateral values on certain types of vehicles. Because we focus predominately
on non-prime borrowers, the actual rates of delinquencies, defaults, repossessions and losses on Contracts are higher than those experienced in the general automobile finance industry and have been materially affected by recent economic conditions.
If economic and credit conditions, including wage conditions, do not continue to improve, our business and financial condition could be further adversely affected. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to
fluctuation due to economic and other factors beyond our control. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If we repossess a vehicle securing a Contract, we typically have it transported to
an automobile auction for sale. Auction proceeds from the sale of repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting deficiency is charged off. In addition, there
is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time it is sold. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand for, used vehicles at the time of
sale. Such supply and demand are dependent on many factors. For example, during periods of economic uncertainty, the demand for used cars may soften, resulting in decreased auction proceeds to us from the sale of repossessed automobiles.
Furthermore, depressed wholesale prices for used automobiles may result from significant liquidations of rental or fleet inventories, and from increased volume of trade-ins due to promotional financing programs offered by new vehicle manufacturers.
We have experienced declining auction proceeds in the recent past and we expect this trend to continue for the foreseeable future. Decreased auction proceeds to us resulting from sales of used automobiles at depressed prices will result in losses
and, in turn, reduced profitability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>An increase in market interest rates may reduce our profitability. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our long-term profitability may be directly affected by the level of and fluctuations in interest rates. Sustained, significant increases in interest rates
may adversely affect our liquidity and profitability by reducing the interest rate spread between the rate of interest we receive on our Contracts and interest rates that we pay under our outstanding line of credit facility. As interest rates
increase, our gross interest rate spread on new originations will generally decline since the rates charged on the Contracts originated or purchased from dealers generally are limited by statutory maximums, restricting our opportunity to pass on
increased interest costs. We monitor the interest rate environment and, on occasion, enter into interest rate swap agreements relating to a portion of our outstanding debt. Such agreements effectively convert a portion of our floating-rate debt to a
fixed-rate, thus reducing the impact of interest rate changes on our interest expense. On June&nbsp;4, 2012 and July&nbsp;30, 2012, the Company entered into interest rate swap agreements to convert a portion of its floating rate debt to a fixed
rate, more closely matching the interest rate characteristics of finance receivables. The June&nbsp;4, 2012 agreement provides for a five-year interest rate swap in which the Company pays a fixed rate of 1% and receives payments from the
counterparty on the 1-month LIBOR rate. This swap has an effective date of June&nbsp;13, 2012 and a notional amount of $25 million. The July&nbsp;30, 2012 agreement provides for a five-year interest rate swap in which the Company pays a fixed rate
of 0.87% and receives payments from the counterparty on the 1-month LIBOR rate. This swap has an effective date of August&nbsp;13, 2012 and a notional amount of $25 million. The changes in the fair value of the interest rate swap agreements
(unrealized gains and losses) are recorded in earnings. We will continue to evaluate interest rate swap pricing and we may or may not enter into additional interest rate swap agreements in the future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We may experience problems with our integrated computer systems or be unable to keep pace with developments in technology. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology changes rapidly. Our
ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-effectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological
changes that do not necessarily improve our profitability. We replaced our loan origination system with a third party vendor during fiscal 2016 and plan to upgrade our loan servicing system during the end of fiscal 2017 or the beginning of fiscal
2018. Difficulties experienced in the implementation of a new servicing system could have a material adverse effect on our ability to service existing Contracts and Direct Loans and, thus, on our business and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We utilize our integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and Direct Loan portfolios and the
performance of individual customers under our Contracts and Direct Loans. Problems with our systems&#146; operations could adversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and Direct Loans, which
could have a material adverse effect on our financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Failure to properly safeguard confidential customer
information could subject us to liability, decrease our profitability and damage our reputation. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In the ordinary course of our business, we collect
and store sensitive data, including our proprietary business information and personally identifiable information of our customers, on our computer networks. The secure processing, maintenance and transmission of this information is critical to our
operations and business strategy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If third parties are able to breach our network security, the network security of a third party that we share
information with or otherwise misappropriate our customers&#146; personal information, or if we give third parties improper access to our customers&#146; personal information, we could be subject to liability. This liability could include identity
theft or other similar fraud-related claims. This liability could also include claims for other misuses or losses or personal information, including for unauthorized marketing purposes. Other liabilities could include claims alleging
misrepresentation of our privacy and data security practices. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We rely on encryption and authentication technology licensed from third parties to provide the security and
authentication necessary to secure online transmission of confidential customer information. Advances in computer capabilities, new discoveries in the field of cryptography or other events or developments may result in a compromise or breach of the
algorithms that we use to protect sensitive customer data. A party who is able to circumvent our security measures could misappropriate proprietary information or cause interruptions in our operations. We may be required to expend capital and other
resources to protect against, or alleviate problems caused by, security breaches or other cybersecurity incidents. Although we have not experienced any material cybersecurity incidents to dates, there can be no assurance that a cyber-attack,
security breach or other cybersecurity incident will not have a material adverse effect on our business, financial condition or results of operations in the future. Our security measures are designed to protect against security breaches, but our
failure to prevent security breaches could subject us to liability, decrease our profitability and damage our reputation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our growth depends upon our
ability to retain and attract a sufficient number of qualified employees. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To a large extent, our growth strategy depends on the opening of new
offices that focus primarily on purchasing Contracts and making Direct Loans in markets we have not previously served. Future expansion of our branch office network depends, in part, upon our ability to attract and retain qualified and experienced
office managers and the ability of such managers to develop relationships with dealers that serve those markets. We generally do not open a new office until we have located and hired a qualified and experienced individual to manage the office.
Typically, this individual will be familiar with local market conditions and have existing relationships with dealers in the area to be served. Although we believe that we can attract and retain qualified and experienced personnel as we proceed with
planned expansion into new markets, no assurance can be given that we will be successful in doing so. Competition to hire personnel possessing the skills and experience required by us could contribute to an increase in our employee turnover rate.
High turnover or an inability to attract and retain qualified personnel could have an adverse effect on our origination, delinquency, default and net loss rates and, ultimately, our business and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The loss of one of our key executives could have a material adverse effect on our business. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our future growth and development to date will be largely dependent upon the services of Ralph T. Finkenbrink, our President and Chief Executive Officer,
Kevin D. Bates, our Senior Vice President of Branch Operations, and Katie L. MacGillivary, our Chief Financial Officer and Vice President of Finance. We do not maintain key-man life insurance policies on these executives. Although we believe that we
have sufficient experienced management personnel to accommodate the loss of any key executive, the loss of services of one or more of these executives could have a material adverse effect on our business and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our stock is thinly traded, which may limit your ability to resell your shares. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The average daily trading volume of our Common shares on the NASDAQ Global Select Market for the fiscal year ended March&nbsp;31, 2016 was approximately
26,000 shares. Moreover, on March&nbsp;19, 2015, our Nicholas Financial subsidiary purchased an aggregate of approximately 4.7&nbsp;million of our Common shares pursuant to a modified &#147;Dutch auction&#148; tender offer, thereby reducing the
number of shares potentially available in the public market. Thus, our Common shares are thinly traded. Thinly traded stock can be more volatile than stock trading in an active public market. Factors such as our financial results, the introduction
of new products and services by us or our competitors, and various factors affecting the consumer-finance industry generally may have a significant impact on the market price of our Common shares. In recent years, the stock market has experienced a
high level of price and volume volatility, and market prices for the stocks of many companies, including ours, have experienced wide price fluctuations that have not necessarily been related to their operating performance. Therefore, our
shareholders may not be able to sell their shares at the volumes, prices, or times that they desire. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Natural disasters, acts of war, terrorist attacks
and threats or the escalation of military activity in response to these attacks or otherwise may negatively affect our business, financial condition and results of operations. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Natural disasters (such as hurricanes), acts of war, terrorist attacks and the escalation of military activity in response to these attacks or otherwise may
have negative and significant effects, such as disruptions in our operations, imposition of increased security measures, changes in applicable laws, market disruptions and job losses. These events may have an adverse effect on the economy in
general. Moreover, the potential for future terrorist attacks and the national and international responses to these threats could affect the business in ways that cannot be predicted. The effect of any of these events or threats could have a
material adverse effect on our business, financial condition and results of operations. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_4"></A>Item&nbsp;1B.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Unresolved Staff Comments </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_5"></A>Item&nbsp;2.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Properties </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company leases its Corporate Headquarters and branch office facilities. The
Company&#146;s Headquarters, located at 2454 McMullen Booth Road, Building C, in Clearwater, Florida, consist of approximately 15,000 square feet of office space leased at an annual rate of approximately $18.00 per square foot. The current lease
relating to this space was entered into effective April&nbsp;1, 2015 and expires on March&nbsp;31, 2020. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Each of the Company&#146;s 67 branch offices
located in Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia consists of approximately 1,400 square feet of office space. These offices
are located in office parks, shopping centers or strip malls and are occupied pursuant to leases with an initial term of one to five years at annual rates ranging from approximately $12.00 to $35.00 per square foot. The Company believes that these
facilities and additional or alternate space available to it are adequate to meet its needs for the foreseeable future. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_6"></A>Item&nbsp;3.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Legal Proceedings </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company currently is not a party to any pending legal proceedings other than
ordinary routine litigation incidental to its business, none of which, if decided adversely to the Company, would, in the opinion of management, have a material adverse effect on the Company&#146;s financial condition or results of operations. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_7"></A>Item&nbsp;4.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Mine Safety Disclosures </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Not Applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc208905_8"></A>PART II </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_9"></A>Item&nbsp;5.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities </B></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s common shares are traded on the NASDAQ Global Select Market under the symbol &#147;NICK.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth the high and low sales prices of the Company&#146;s common shares for the fiscal years ended March&nbsp;31, 2016 and 2015,
respectively. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:114.60pt; font-size:8pt; font-family:Times New Roman"><B>Fiscal year ended March&nbsp;31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>High</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>14.49</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.25</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>14.08</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.25</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>13.80</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11.45</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11.88</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9.92</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:114.60pt; font-size:8pt; font-family:Times New Roman"><B>Fiscal year ended March&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>High</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of June&nbsp;18 2015, there were approximately 1,700 holders of record of the Company&#146;s Common shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No cash dividends were declared or paid during the fiscal year ended March&nbsp;31, 2016 or 2015. The following cash dividends were declared and paid during
the fiscal year ended March&nbsp;31, 2014. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:48.65pt; font-size:8pt; font-family:Times New Roman"><B>Date Declared</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Record&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Date&nbsp;Paid</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount&nbsp;of</B><br><B>Dividend</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">May&nbsp;7, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;21, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;28, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">August&nbsp;13, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;20,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;27,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Although the Company has declared and paid cash dividends on its Common shares in the past, we have no current plans to
declare or pay any cash dividends in the foreseeable future. The payment of future dividends, if any, is reviewed periodically by the Company&#146;s directors and management and will depend upon, among other things, existing conditions, including
earnings, financial condition and capital requirements, restrictions in financing agreements, business opportunities, tax considerations and other conditions and factors, including prospects. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">There are no Canadian foreign exchange controls or laws that would affect the remittance of dividends or other
payments to the Company&#146;s non-Canadian resident shareholders. There are no Canadian laws that restrict the export or import of capital, other than the Investment Canada Act (Canada), which requires the notification or review of certain
investments by non-Canadians to establish or acquire control of a Canadian business. The Company is not a Canadian business as defined under the Investment Canada Act because it has no place of business in Canada, has no individuals employed in
Canada in connection with its business, and has no assets in Canada used in carrying on its business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Canada and the United States of America are
signatories to the Convention Between the United States of America and Canada With Respect to Taxes on Income and on Capital (the &#147;Tax Treaty&#148;). The Tax Treaty contains provisions governing the tax treatment of interest, dividends, gains
and royalties paid to or received by a person residing in the United States. The Tax Treaty also contains provisions to prevent the occurrence of double taxation, essentially by permitting the taxpayer to claim a tax credit for taxes paid in the
foreign jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dividends paid to the Company from its U.S. subsidiaries&#146; current and accumulated earnings and profits will be subject to a
U.S. withholding tax of 5%. The gross dividends (i.e., before payment of the withholding tax) must be included in the Company&#146;s net income. However, under certain circumstances, the Company may be allowed to deduct the dividends in the
calculation of its Canadian taxable income. If the Company has no other foreign (i.e., non-Canadian) non-business income, no relief is available in that case to recover the withholding taxes previously paid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A 15% Canadian withholding tax applies to dividends paid by the Company to a U.S. shareholder (including those that own less than 10% of the Company&#146;s
voting shares) that is an individual. The U.S. shareholder must include the gross amount of the dividends in his net income to be taxed at the regular rates. In general, a U.S. shareholder can obtain a foreign tax credit for U.S. federal income tax
purposes with respect to the Canadian withholding tax on such dividends, but the amount of such credit is subject to a limitation that depends, in part, on the amount of the shareholder&#146;s income and losses from other sources. A U.S. shareholder
that is an individual also can elect to claim a deduction (rather than a foreign tax credit) for all non-U.S. income taxes paid by the shareholder during the particular year. U.S. shareholders are urged to consult their own tax advisors regarding
the U.S. federal income tax treatment of any Canadian withholding tax imposed on dividends from the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Purchases of Equity Securities by the
Issuer and Affiliated Purchasers </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth certain information with respect to the purchase of Common shares by our Nicholas
Financial subsidiary pursuant to a modified &#147;Dutch auction&#148; tender offer for up to $70.0 million (but not less than $50.0 million) in aggregate value of Common shares. The tender offer commenced on February&nbsp;10, 2015 and expired on
March&nbsp;13, 2015. The tender offer was completed on March&nbsp;19, 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ISSUER PURCHASES OF EQUITY SECURITIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(In Millions, except average price) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:22.65pt; font-size:8pt; font-family:Times New Roman"><B>Period</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total&nbsp;Number&nbsp;of<BR>Common&nbsp;shares<BR>Purchased</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Average&nbsp;Price&nbsp;Paid<BR>per&nbsp;Common&nbsp;share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total&nbsp;Number&nbsp;of&nbsp;Common<BR>Shares&nbsp;Purchased&nbsp;As&nbsp;Part&nbsp;of<BR>Publicly Announced<BR>Plans or Programs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Maximum&nbsp;Number&nbsp;of<BR>Common&nbsp;shares&nbsp;that&nbsp;May&nbsp;Yet<BR>Be Purchased Under the<BR>Plans or Programs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;1,&nbsp;2015&nbsp;through March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Securities Authorized for Issuance Under Equity Compensation Plans </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth certain information, as of March&nbsp;31, 2016, with respect to compensation plans under which equity securities of the Company
were authorized for issuance: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EQUITY COMPENSATION PLAN INFORMATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(In thousands, except exercise price) </B><B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:49.10pt; font-size:8pt; font-family:Times New Roman"><B>Plan Category</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of&nbsp;Securities&nbsp;to<BR>be&nbsp;Issued&nbsp;Upon&nbsp;Exercise<BR>of&nbsp;Outstanding&nbsp;Options,<BR>Warrants and Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted&nbsp;&#150;&nbsp;Average<BR>Exercise Price of<BR>Outstanding&nbsp;Options,<BR>Warrants&nbsp;and&nbsp;Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of&nbsp;Securities<BR>Remaining&nbsp;Available&nbsp;for<BR>Future Issuance Under<BR>Equity&nbsp;Compensation&nbsp;Plans<BR>(Excluding
Securities<BR>Reflected in Column (a))</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(a)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(b)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(c)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity&nbsp;Compensation&nbsp;Plans&nbsp;Approved by&nbsp;Security&nbsp;Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity Compensation Plans Not Approved by Security Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">None</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">None</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TOTAL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Performance Graph </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Set forth below is a graph comparing the cumulative total return on the Company&#146;s Common shares for the five-year period ended March&nbsp;31, 2016, with
that of an overall stock market (NASDAQ Composite) and the Company&#146;s peer group index (Dow Jones US General Financial Index). The stock performance graph assumes that the value of the investment in each of the Company&#146;s Common shares, the
NASDAQ Composite Index and the Dow Jones US General Financial Index was $100 on April&nbsp;1, 2011 and that all dividends were reinvested. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The graph
displayed below is presented in accordance with SEC requirements. Shareholders are cautioned against drawing any conclusions from the data contained therein, as past results are not necessarily indicative of future performance. This graph in no way
reflects the Company&#146;s forecast of future financial performance. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g208905g57z48.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>04/01/2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">108.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">120.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">114.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">88.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NASDAQ Composite</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">150.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dow Jones US General Financial Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>


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


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<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_10"></A>Item&nbsp;6.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Selected Financial Data </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following tables present selected consolidated financial data of the
Company as of and for the fiscal years ended March&nbsp;31, 2016, 2015, 2014, 2013, and 2012. The selected consolidated financial data have been derived from our consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You should read the selected consolidated financial data below in conjunction with &#147;Item 7. Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&#148; and our audited consolidated financial statements and notes thereto that are included elsewhere in this Report. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD></TD>
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<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B><br><B>(In thousands, except earnings per share numbers)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Statement of Operations Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income on finance receivables</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,707</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,007</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,970</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,678</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,892</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26,278</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,392</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,313</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in fair value of interest rate swaps</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(688</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,980</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,280</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>70,602</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,624</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>20,105</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,726</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,941</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per share &#150; basic:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.60</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,622</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,747</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per share &#150; diluted:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.59</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,692</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,033</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="20"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>As of and for the Fiscal Year ended March&nbsp;31,</B><br><B>(In thousands, except number of branch locations)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance Sheet Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>325,309</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">283,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">263,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">256,560</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Finance receivables, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>311,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269,344</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">249,826</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">241,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Line of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>211,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>102,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Operating Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3.94</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.85</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.42</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.21</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross portfolio yield (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>27.10</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.48</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pre-tax yield (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6.02</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.31</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total delinquencies over 30 days, excluding Chapter 13 bankruptcy accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5.50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.99</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Write-off to liquidation (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9.10</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.13</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net charge-off percentage (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7.56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.04</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.59</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Automobile Finance Data&nbsp;&amp; Direct Loan Origination</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Contracts purchased/Direct Loans originated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>196,853</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">187,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">152,316</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average dealer discount on Contracts purchased</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7.51</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average contractual rate on Contracts&nbsp;&amp; Direct Loans purchased</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22.81</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number of branch locations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>67</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>


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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_11"></A>Item&nbsp;7.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations </B></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Overview </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial-Canada is a Canadian
holding company incorporated under the laws of British Columbia in 1986. Nicholas Financial-Canada currently conducts its business activities exclusively through a wholly-owned indirect Florida subsidiary, Nicholas Financial, which purchases and
services Contracts, makes Direct Loans and sells consumer-finance related products. Nicholas Financial accounted for more than 99% of the Company&#146;s consolidated revenue for each of the fiscal years ended March&nbsp;31, 2015 and 2014, and 100%
of the Company&#146;s consolidated revenue for the fiscal year ended March&nbsp;31, 2016. A second Florida subsidiary, NDS, which historically provided limited computer software support and updated services to small businesses, has ceased such
operations; however it continues as the intermediate holding company for Nicholas Financial. Nicholas Financial-Canada, Nicholas Financial and NDS are collectively referred to herein as the &#147;Company&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Introduction </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s consolidated
revenues increased for the fiscal year ended March&nbsp;31, 2016 to $90.7 million as compared to $86.8&nbsp;million and $82.6 million for the fiscal years ended March&nbsp;31, 2015 and 2014, respectively. The Company&#146;s diluted earnings per
share increased for the fiscal year ended March&nbsp;31, 2016 to $1.59 as compared to $1.38 and $1.36 for the fiscal years ended March&nbsp;31, 2015 and 2014, respectively. The per share diluted net earnings for the fiscal year ended March&nbsp;31,
2016 were positively impacted by the purchase of 4.7&nbsp;million of the Company&#146;s common shares by its principal operating subsidiary on March&nbsp;19, 2015. The Company&#146;s operating income before taxes for the fiscal year ended
March&nbsp;31, 2016 decreased to $20.1 million as compared to $26.1 million and $28.5 million for the fiscal years ended March&nbsp;31, 2015 and 2014, respectively. This was a result of a decrease in the gross portfolio yield, an increase in the
provision for credit losses, and an increase in interest expense due to the $70 million the Company borrowed for the tender offer. The effective income tax rate for the fiscal year ended March&nbsp;31, 2014 was higher than normal due to
non-deductible professional fees relating to an agreement providing for the acquisition of the Company by an unaffiliated third party. The effective income tax rate for the fiscal year ended March&nbsp;31, 2015 was lower than normal due to the same
non-deductible expenses becoming deductible when such agreement was terminated. The Company&#146;s consolidated net income for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 were $12.4 million, $16.9 million and $16.7 million,
respectively. The Company believes the increase in losses each successive year was primarily attributable to an increase in competition which has driven higher advance rates for Contracts acquired. In addition, competition generally results in the
purchase of lower credit quality Contracts, though these Contracts are still acceptable under the Company&#146;s underwriting guidelines. Historically, when competition has increased, the Company has experienced higher losses, decreased Contract
origination and reduced profits. While it is difficult to predict the level of competition long-term, the Company believes that the current highly competitive environment will prevail for the foreseeable future, which will continue to put pressure
on its margins. The weighted average APR of the portfolio for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 were 22.73%, 22.93%, and 23.20%, respectively. The average dealer discounts as a percent of gross finance receivables associated
with new volume for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 were 7.51%, 8.08%, and 8.44%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company is evaluating its
organization and its structure. The Company&#146;s decisions on how it plans to continue operating its business strategy will be influenced by the sustainability of some of its competitors&#146; underwriting and risk-based pricing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>


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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:65.90pt; font-size:8pt; font-family:Times New Roman"><B>Portfolio Summary</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average finance receivables, net of unearned interest (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>334,754</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">309,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">290,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average indebtedness (2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>208,214</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">133,434</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest and fee income on finance receivables</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,707</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,007</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,970</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,678</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest and fee income on finance receivables</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>81,700</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">76,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average contractual rate (3)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22.73</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average cost of borrowed funds (2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4.33</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross portfolio yield (4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>27.10</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense as a percentage of average finance receivables, net of unearned interest</P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.69</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.95</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses as a percentage of average finance receivables, net of unearned
interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7.85</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.16</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net portfolio yield (4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16.56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Marketing, salaries, employee benefits, depreciation, administrative and professional fee expenses
and dividend taxes as a percentage of average finance receivables, net of unearned interest (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.54</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pre-tax yield as a percentage of average finance receivables, net of unearned interest
(6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6.02</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Write-off to liquidation (7)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9.10</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.13</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net charge-off percentage (8)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7.56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.04</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Average finance receivables, net of unearned interest, represents the average of gross finance receivables, less unearned interest throughout the period. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Average indebtedness represents the average outstanding borrowings under the Line. Average cost of borrowed funds represents interest expense as a percentage of average indebtedness. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Weighted average contractual rate represents the weighted average annual percentage rate (&#147;APR&#148;) of all Contracts and Direct Loans as of the period ending date. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Gross portfolio yield represents interest and fee income on finance receivables as a percentage of average finance receivables, net of unearned interest. Net portfolio yield represents interest and fee income on finance
receivables minus (a)&nbsp;interest expense and (b)&nbsp;the provision for credit losses as a percentage of average finance receivables, net of unearned interest. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">The numerator for the fiscal year ended March&nbsp;31, 2015 included expenses associated with the abandoned sale of the Company. Absent these expenses, the percentage would have been 10.85%. The numerator for the fiscal
year ended March&nbsp;31, 2014 included expenses associated with the potential sale of the Company and payments of cash dividends. Absent these expenses, the percentage would have been 10.83%. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Pre-tax yield represents net portfolio yield minus operating expenses as a percentage of average finance receivables, net of unearned interest. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">Write-off to liquidation percentage is defined as net charge-offs divided by liquidation. Liquidation is defined as beginning receivable balance plus current period purchases minus voids and refinances minus ending
receivable balance. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">Net charge-off percentage represents net charge-offs divided by average finance receivables, net of unearned interest, outstanding during the period. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Critical Accounting Policy </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s
critical accounting policy relates to the allowance for credit losses. It is based on management&#146;s opinion of an amount that is adequate to absorb losses incurred in the existing portfolio. The allowance for credit losses is established through
a provision for credit losses based on management&#146;s evaluation of the risk inherent in the loan portfolio, the composition of the portfolio, specific impaired loans and current economic conditions. Such evaluation considers, among other
matters, the estimated net realizable value or the fair value of the underlying collateral, economic conditions, historical loan loss experience, management&#146;s estimate of probable credit losses and other factors that warrant recognition in
providing for an adequate credit loss allowance. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Because of the nature of the customers under the Company&#146;s Contracts and its Direct Loan program, the
Company considers the establishment of adequate reserves for credit losses to be imperative. The Company segregates its Contracts into static pools for purposes of establishing reserves for losses. All Contracts purchased by a branch during a fiscal
quarter comprise a static pool. The Company pools Contracts according to branch location because the branches purchase Contracts in different geographic markets. This method of pooling by branch and quarter allows the Company to evaluate the
different markets where the branches operate. The pools also allow the Company to evaluate the different levels of customer income, stability and credit history, and the types of vehicles purchased, in each market. Each such static pool consists of
the Contracts purchased by a branch office during a fiscal quarter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Contracts are purchased from many different dealers and are all purchased on an
individual Contract-by-Contract basis. Individual Contract pricing is determined by the automobile dealerships and is generally the lesser of the applicable state maximum interest rate, if any, or the maximum interest rate which the customer will
accept. In certain markets, competitive forces will drive down Contract rates from the maximum rate to a level where an individual competitor is willing to buy an individual Contract. The Company purchases Contracts on an individual basis, although
the Company may consider portfolio acquisitions as part of its growth strategy. See &#147;Item 1. Business&#151;Growth Strategy.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company
utilizes the branch model, which allows for Contract purchasing to be done on the branch level. The Company has detailed underwriting guidelines it utilizes to determine which Contracts to purchase. These guidelines are specific and are designed to
cause all of the Contracts that the Company purchases to have common risk characteristics. The Company utilizes its District Managers to evaluate their respective branch locations for adherence to these underwriting guidelines. The Company also
utilizes IA to assure adherence to its underwriting guidelines. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The allowance for credit losses is established through charges to earnings through the
provision for credit losses. The allowance for credit losses is maintained at an amount that reduces the net carrying amount of finance receivables for incurred losses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In analyzing a static pool, the Company considers the performance of prior static pools originated by the same branch office, the performance of prior
Contracts purchased from the dealers whose Contracts are included in the current static pool, the credit rating of the customers under the Contracts in the static pool, and current market and economic conditions. Each static pool is analyzed monthly
to determine if the loss reserves are adequate, and adjustments are made if they are determined to be necessary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2016 Compared to Fiscal
2015 </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest and Fee Income on Finance Receivables </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest income on finance receivables, predominantly finance charge income, increased 4.5% to $90.7 million in fiscal 2016 from $86.8 million in fiscal 2015.
The average finance receivables, net of unearned interest, totaled $334.8 million for the fiscal year ended March&nbsp;31, 2016, an increase of 8% from $310.0 million for the fiscal year ended March&nbsp;31, 2015. The primary reason average finance
receivables, net of unearned interest, increased was an increase of the receivable base of several existing branches in younger markets in fiscal 2016. (see &#147;Item 1. Business&#151;Contract Procurement&#148;). The gross finance receivable
balance increased 9% to $498.1 million for the fiscal year ended March&nbsp;31, 2016 from $458.0 million for the fiscal year ended March&nbsp;31, 2015. The primary reasons gross finance receivables increased were an increase in Contracts purchased
and an increase in the weighted-average term of Contracts purchased. The primary reason interest income increased was the increase in the volume of the outstanding loan portfolio, which was partially offset by a lower weighted APR earned on our
portfolio for the fiscal year ended March&nbsp;31, 2016 compared to the fiscal year ended March&nbsp;31, 2015. The gross portfolio yield decreased to 27.10% for the fiscal year ended March&nbsp;31, 2016 from 28.00% for the fiscal year ended
March&nbsp;31, 2015. The net portfolio yield decreased to 16.56% for the fiscal year ended March&nbsp;31, 2016 from 19.50% for the fiscal year ended March&nbsp;31, 2015. The gross portfolio yield decreased primarily due to the decrease in the
average dealer discount and a decrease in the average weighted APR, both of which is primarily the result of increased competition. The net portfolio yield decreased due to a decrease in the gross portfolio yield, an increase in the provision for
credit losses, and an increase in interest expense (see &#147;Analysis of Credit Losses&#148; and &#147;Interest Expense&#148; below). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Marketing,
Salaries and Employee Benefits, Depreciation, Administrative, and Professional Fee Expenses </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Marketing, salaries and employee benefits, depreciation,
administrative, and professional fee expenses increased to $35.3 million for the fiscal year ended March&nbsp;31, 2016 compared to $34.0 million for the fiscal year ended March&nbsp;31, 2015, primarily because of an increase in cost associated with
maintaining the finance receivables portfolio. The Company opened three new branch locations during the fiscal year ended March&nbsp;31, 2016, and consolidated two branch locations into branches previously established within their market. However,
the Company increased the average headcount to 338 for the fiscal year ended March&nbsp;31, 2016 from 330 for the fiscal year ended March&nbsp;31, 2015. Marketing, salaries and employee benefits, depreciation, administrative expenses, and
professional fee expenses as a percentage of average finance receivables, net of unearned interest, decreased to 10.54% for the fiscal year ended March&nbsp;31, 2016 from 10.96% for the fiscal year ended March&nbsp;31, 2015. Absent the professional
expenses associated with the abandoned sale of the Company the percentage would have been 10.85% for the fiscal year ended March&nbsp;31, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Expense </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest expense increased to $9.0 million for the fiscal year ended March&nbsp;31, 2016 as compared to $6.0 million for the fiscal year ended March&nbsp;31,
2015. The average outstanding debt as of March&nbsp;31, 2016 and March&nbsp;31, 2015 was $208.2 million and $133.4 million, respectively. The total average debt outstanding increased due to the tender offer executed on March&nbsp;19, 2015 The
following table summarizes the Company&#146;s average cost of borrowed funds for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Variable interest under the line of credit facility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.37</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Settlements under interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.16</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Credit spread under the line of credit facility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3.80</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.84</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average cost of borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4.33</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s average cost of borrowed funds decreased mostly due to the fixed notional amount interest rate swap
agreements representing a lower percentage of average debt. During fiscal 2016 LIBOR rates have increased, which has caused the credit spread to decrease and the variable interest expense to increase. The variable interest rate also includes a
decrease in the unused line fees offset with an increase in amortized loan origination fees. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For a further discussion regarding the Company&#146;s line
of credit, see &#147;&#151; Liquidity and Capital Resources&#148; below and Note 5 (&#147;Line of Credit&#148;) to our audited consolidated financial statements included elsewhere in this Report. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The weighted average notional amount of interest rate swaps was $50.0 million at a weighted average fixed rate of 0.94% for each of the fiscal years ended
March&nbsp;31, 2016 and 2015. For a further discussion regarding the effect of our interest rate swap agreements, see Note 6 (&#147;Interest Rate Swap Agreements&#148;) to our audited consolidated financial statements included elsewhere in this
Report. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Analysis of Credit Losses </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of
March&nbsp;31, 2016, the Company had approximately 1,400 active static pools. The average pool upon inception consisted of 61 Contracts with aggregate finance receivables, net of unearned interest, of approximately $683,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts for the fiscal years ended March&nbsp;31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,325</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current year provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>25,926</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(27,963</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25,042</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,977</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans for the
fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>703</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current year provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>352</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(328</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(277</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>21</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for credit losses increased to $26.3 million for the fiscal year ended March&nbsp;31, 2016 from $20.4 million
for the fiscal year ended March&nbsp;31, 2015, largely due to the fact that net charge-offs increased to 7.56% for the fiscal year ended March&nbsp;31, 2016 from 7.04% for the fiscal year ended March&nbsp;31, 2015, as well as the portfolio growing.
During the fourth quarter of the fiscal year ended March&nbsp;31, 2016, the Company refined its allowance for credit loss model to incorporate recent trends that include the acquisition of longer term contracts and increased delinquencies. The
Company feels that these improvements to the current model better reflect the current trends of incurred losses within the portfolio and better align the allowance for credit losses with the portfolio&#146;s performance indicators. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s losses as a percentage of liquidation increased to 9.10% for the fiscal year ended
March&nbsp;31, 2016 as compared to 8.13% for the fiscal year ended March&nbsp;31, 2015. This increase was primarily the result of increased competition in all markets in which the Company presently operates. Increased competition has led to a higher
percentage of loans acquired that are categorized in the lower tiers of the Company&#146;s guidelines.&nbsp;The Company also experienced a decrease in auction prices from fiscal year 2015 to fiscal year 2016. Decreased auction proceeds from
repossessed vehicles increased the amount of write-offs which, in turn, increased the write-off to liquidation percentage. During the fiscal years ended March&nbsp;31, 2016 and 2015, auction proceeds from the sale of repossessed vehicles averaged
approximately 42% and 46%, respectively, of the related principal balance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Recoveries as a percentage of charge-offs were approximately 10.59% and 13.82%
for the fiscal years ended March&nbsp;31, 2016 and 2015, respectively. Historically, recoveries as a percentage of charge-offs have fluctuated from period to period, and the Company does not attribute this decrease to any particular change in
operational strategy or economic events. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The delinquency percentage for Contracts more than thirty days past due, excluding Chapter 13 bankruptcy
accounts, as of March&nbsp;31,&nbsp;2016 increased to 5.57% from 4.17% as of March&nbsp;31, 2015. The delinquency percentage for Direct Loans more than thirty days past-due as of March&nbsp;31, 2016 increased to 2.19% from 1.64% as of March&nbsp;31,
2015. The delinquency percentage increase for Contracts reflects portfolio weakness that generally manifests itself in increased future losses mainly due to competition. The Company utilizes a static pool approach to analyzing portfolio performance
and looks at specific static pool performance and recent trends as leading indicators of the future performance of its portfolio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company also
considers the following factors to assist in determining the appropriate loss reserve levels: unemployment rates; competition; the number of bankruptcy filings; the results of internal branch audits; consumer sentiment; consumer spending; economic
growth (i.e., changes in GDP); the condition of the housing sector; and other leading economic indicators. The Company continues to evaluate reserve levels on a pool-by-pool basis during each reporting period. The longer-term outlook for portfolio
performance will depend on overall economic conditions, the unemployment rate, the rational or irrational behavior of the Company&#146;s competitors, and the Company&#146;s ability to monitor, manage and implement its underwriting philosophy in
additional geographic areas as it strives to continue its expansion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In accordance with our policies and procedures, certain borrowers qualify for, and
the Company offers, one-month principal payment deferrals on Contracts and Direct Loans. For the fiscal years ended March&nbsp;31, 2016 and March&nbsp;31, 2015 the Company granted deferrals to approximately 22.65% and 23.28%, respectively, of total
Contracts and Direct Loans. The number of deferrals is influenced by portfolio performance, general economic conditions and the unemployment rate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes decreased
to approximately $7.7 million in fiscal 2016 from approximately $9.2 million in fiscal 2015. The Company&#146;s effective tax rate increased to 38.43% in fiscal 2016 from 35.41% in fiscal 2015. The Company had approximately $2.1 million of
non-deductible expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not consummated, the $2.1 million became deductible in 2015 creating a favorable effective tax rate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2015 Compared to Fiscal 2014 </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest
and Fee Income on Finance Receivables </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest income on finance receivables, predominantly finance charge income, increased 5% to $86.8 million in
fiscal 2015 from $82.6 million in fiscal 2014. The average finance receivables, net of unearned interest, totaled $310.0 million for the fiscal year ended March&nbsp;31, 2015, an increase of 7% from $290.5 million for the fiscal year ended
March&nbsp;31, 2014. The primary reason average finance receivables, net of unearned interest, increased was the opening of one additional branch office and the increase of the portfolio size in certain existing branches during fiscal 2015 (see
&#147;Item 1. Business&#151;Contract Procurement&#148;). The gross finance receivable balance increased 8% to $458.0 million for the fiscal year ended March&nbsp;31, 2015 from $424.3 million for the fiscal year ended March&nbsp;31, 2014. The primary
reasons gross finance receivables increased were an increase in Contracts purchased and an increase in the weighted-average term of Contracts purchased. The primary reason interest income increased was the increase in the outstanding loan portfolio.
The gross portfolio yield decreased to 28.00% for the fiscal year ended March&nbsp;31, 2015 from 28.44% for the fiscal year ended March&nbsp;31, 2014. The net portfolio yield decreased to 19.50% for the fiscal year ended March&nbsp;31, 2015 from
21.33% for the fiscal year ended March&nbsp;31, 2014. The gross portfolio yield decreased primarily as the result of a lower weighted APR and a reduction of the average dealer discount on Contracts purchased due to increased competition. The net
portfolio yield decreased primarily due to the decrease in the gross portfolio yield and an increase in the provision for credit losses. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Marketing, Salaries and Employee Benefits, Depreciation, Administrative, Professional Fee Expenses </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Marketing, salaries and employee benefits, depreciation, administrative, and professional fee expenses remained relatively flat at $34.0 million for the
fiscal year ended March&nbsp;31, 2015 compared to $34.1 million for the fiscal year ended March&nbsp;31, 2014. The Company opened one new branch location during the fiscal year ended March&nbsp;31, 2015. The Company increased the average headcount
to 330 for the fiscal year ended March&nbsp;31, 2015 from 325 for the fiscal year ended March&nbsp;31, 2014. Marketing, salaries and employee benefits, depreciation, administrative expenses, and professional fee expenses as a percentage of average
finance receivables, net of unearned interest, decreased to 10.96% for the fiscal year ended March&nbsp;31, 2015 from 11.68% for the fiscal year ended March&nbsp;31, 2014. Absent the professional expenses associated with the abandoned sale of the
Company and taxes associated with the payment of cash dividends, the percentages would have been 10.85% and 10.83% for the fiscal years ended March&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Expense </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest expense increased to $6.0
million for the fiscal year ended March&nbsp;31, 2015 as compared to $5.7 million for the fiscal year ended March&nbsp;31, 2014. The following table summarizes the Company&#146;s average cost of borrowed funds for the fiscal years ended
March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Variable interest under the line of credit facility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.34</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Settlements under interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.29</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Credit spread under the line of credit facility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3.84</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average cost of borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4.47</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s average cost of funds for the fiscal year ended March&nbsp;31, 2015 remained unchanged from the preceding
fiscal year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For a further discussion regarding the Company&#146;s line of credit, see &#147;&#151; Liquidity and Capital Resources&#148; below and Note
5 (&#147;Line of Credit&#148;) to our audited consolidated financial statements included elsewhere in this Report. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The weighted average notional amount
of interest rate swaps was $50.0 million at a weighted average fixed rate of 0.94% for each of the fiscal years ended March&nbsp;31, 2015 and 2014. For a further discussion regarding the effect of our interest rate swap agreements, see Note 6
(&#147;Interest Rate Swap Agreements&#148;) to our audited consolidated financial statements included elsewhere in this Report. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Analysis of Credit
Losses </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2015, the Company had approximately 1,400 active static pools. The average pool upon inception consisted of 69 Contracts
with aggregate finance receivables, net of unearned interest, of approximately $649,000. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes
in the allowance for credit losses on Contracts for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,889</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,091</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current year provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>20,008</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(25,042</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,691</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,470</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,325</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans
for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>590</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current year provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>362</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">285</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(277</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(192</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>28</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>703</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for credit losses increased to $20.4 million for the fiscal year ended March&nbsp;31, 2015 from $15.0 million
for the fiscal year ended March&nbsp;31, 2014, primarily as a result of an increase in the average finance receivables and an increase in the net charge-off percentage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s losses as a percentage of liquidation increased to 8.13% for the fiscal year ended March&nbsp;31, 2015 as compared to 7.17% for the fiscal
year ended March&nbsp;31, 2014. This increase was primarily the result of increased competition in all markets that the Company presently operates in and higher advance rates on Contracts purchased during the fiscal year ended March&nbsp;31, 2015.
The Company has experienced favorable variances between projected write-offs and actual write-offs on many seasoned pools, which resulted in an increase in expected future cash flows and favorable impact on the allowance for credit losses. However,
increased competition has led to a higher percentage of loans acquired that are categorized in the lower tiers of the Company&#146;s guidelines.&nbsp;Static pools originated during fiscal 2015, 2014 and 2013, while still performing at acceptable net
charge-off levels, have experienced losses higher than static pools originated in previous years. The Company also experienced a decrease in auction prices from fiscal year 2014 to fiscal year 2015. Decreased auction proceeds from repossessed
vehicles increased the amount of write-offs which, in turn, increased the write-off to liquidation percentage. During the fiscal years ended March&nbsp;31, 2015 and 2014, auction proceeds from the sale of repossessed vehicles averaged approximately
46% and 48%, respectively, of the related principal balance. Recoveries as a percentage of charge-offs were approximately 13.82% and 17.46% for the fiscal years ended March&nbsp;31, 2015 and 2014, respectively. Historically, recoveries as a
percentage of charge-offs have fluctuated from period to period, and the Company does not attribute this decrease to any particular change in operational strategy or economic events. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The delinquency percentage for Contracts more than thirty days past due, excluding Chapter 13 bankruptcy accounts, as of March&nbsp;31,&nbsp;2015 increased to
4.17% from 4.03% as of March&nbsp;31, 2014. The delinquency percentage for Direct Loans more than thirty days past-due as of March&nbsp;31, 2015 decreased to 1.64% from 1.78% as of March&nbsp;31, 2014. The delinquency percentage increase for
Contracts reflects portfolio weakness that generally manifests itself in increased future losses. The Company utilizes a static pool approach to analyzing portfolio performance and looks at specific static pool performance and recent trends as
leading indicators of the future performance of its portfolio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company also considers the following factors to assist in determining the appropriate
loss reserve levels: unemployment rates; competition; the number of bankruptcy filings; the results of internal branch audits; consumer sentiment; consumer spending; economic growth (i.e., changes in GDP); the condition of the housing sector; and
other leading economic indicators. The Company continues to evaluate reserve levels on a pool-by-pool basis during each reporting period. The longer-term outlook for portfolio performance will depend on overall economic conditions, the unemployment
rate, the rational or irrational behavior of the Company&#146;s competitors, and the Company&#146;s ability to monitor, manage and implement its underwriting philosophy in additional geographic areas as it strives to continue its expansion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes decreased
to approximately $9.2 million in fiscal 2015 from approximately $11.8 million in fiscal 2014. The Company&#146;s effective tax rate decreased to 35.41% in fiscal 2015 from 41.43% in fiscal 2014. The Company had approximately $2.1 million of
non-deductible expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not consummated, the $2.1 million became deductible in 2015 creating a favorable effective tax rate. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Liquidity and Capital Resources </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s cash flows are summarized as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash provided by (used in):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24,070</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investing activities &#150; (primarily purchases of Contracts)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(36,653</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(26,504</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,880</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,044</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,499</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">351</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net (decrease) increase in cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(1,539</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(163</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s primary use of working capital for the fiscal year ended March&nbsp;31, 2016 was funding the purchase of
Contracts, which are financed substantially through cash from principal payments received, cash from operations and our line of credit (the &#147;Line&#148;). The Line is secured by all of the assets of the Company and has a maturity date of
January&nbsp;30, 2018. The Company may borrow up to $225.0 million. Borrowings under the Line may be under various LIBOR pricing options plus 300 basis points with a 1% floor on LIBOR. As of March&nbsp;31, 2016, the amount outstanding under the Line
was $211.0 million, and the amount available under the Line was $14.0 million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company will continue to depend on the availability of the Line,
together with cash from operations, to finance future operations. Amounts outstanding under the Line increased by $12.0 million as of March&nbsp;31, 2016 compared to March&nbsp;31, 2015 and increased by approximately $71.1 million as of
March&nbsp;31, 2015 compared to March&nbsp;31, 2014. The increase in the amount outstanding under the Line as of March&nbsp;31, 2016 was principally related to the growth in finance receivables. The increase in the amount outstanding under the Line
as of March&nbsp;31, 2015 was principally related to the $70.0 million tender offer completed on March&nbsp;19, 2015. The amount of debt the Company incurs from time to time under these financing mechanisms depends on the Company&#146;s need for
cash and ability to borrow under the terms of the Line. The Company believes that borrowings available under the Line as well as cash flow from operations will be sufficient to meet its short-term funding needs. The Line requires compliance with
certain debt covenants including financial ratios, asset quality and other performance tests. The Company is currently in compliance with all of its debt covenants. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No cash dividends were declared or paid during the fiscal year ended March&nbsp;31, 2016 or 2015.&nbsp;The following cash dividends were declared and paid
during the fiscal years ended March&nbsp;31, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:38.85pt; font-size:8pt; font-family:Times New Roman"><B>Fiscal Year</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Date&nbsp;Declared</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Record&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Date&nbsp;Paid</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount&nbsp;of<BR>Dividend</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May 7, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;21, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;28, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">August&nbsp;13,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;20,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;27,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Although the Company has declared and paid cash dividends on its Common shares in the past, we have no current plans to
declare or pay any cash dividends in the foreseeable future. The payment of future dividends, if any, is reviewed periodically by the Company&#146;s directors and management and will depend upon, among other things, existing conditions, including
earnings, financial condition and capital requirements, restrictions in financing agreements, business opportunities, tax considerations and other conditions and factors, including prospects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Impact of Inflation </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company is affected by
inflation primarily through increased operating costs and expenses including increases in interest rates. Inflationary pressures on operating costs and expenses historically have been largely offset by the Company&#146;s continued emphasis on
stringent operating and cost controls, although no assurances can be given regarding the Company&#146;s ability to offset the effects of inflation in the future. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Contractual Obligations </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table summarizes the Company&#146;s material obligations as of March&nbsp;31, 2016. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Payments Due by Period</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Less<BR>than<BR>1 year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1 to 3<BR>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>3 to 5<BR>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>More&nbsp;than<BR>5&nbsp;years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Line of credit<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest on line of credit<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">233,285</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">221,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The Company&#146;s current Line matures on January&nbsp;30, 2018. Interest on outstanding borrowings under the Line as of March&nbsp;31, 2016 is based on an effective interest rate of 4.33%. The effective interest rate
used in the above table does not contemplate the possibility of entering into additional interest rate swap agreements in the future. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_12"></A>Item&nbsp;7A.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Quantitative and Qualitative Disclosures About Market Risk </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Market risks relating to the Company&#146;s
operations result primarily from changes in interest rates. The Company does not engage in speculative or leveraged transactions, nor does it hold or issue financial instruments for trading purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Interest Rate Risk </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Management&#146;s objective
is to minimize the cost of borrowing through an appropriate mix of fixed and floating rate debt. Derivative financial instruments, such as interest rate swap agreements, may be used for the purpose of managing fluctuating interest rate exposures
that exist from ongoing business operations. The Company does not use interest rate swap agreements for speculative purposes. At March&nbsp;31, 2016, $161.0 million, or approximately 76% of our total debt, was subject to floating interest rates;
however, due to a 1% floor on the debt these rates are effectively fixed until the variable rates exceed this threshold. As a result, a hypothetical increase in the variable interest rates of 1% or 100 basis points (an increase to 1.44% as of
March&nbsp;31, 2016) as of March&nbsp;31, 2016 applicable to this floating rate debt would have an annual after-tax effect on net income of approximately $260,000. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc208905_13"></A>Item&nbsp;8. Financial Statements and Supplementary Data </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following financial statements are filed as part of this Report (see pages 31-50) </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_1">Report of Independent Registered Public Accounting Firm</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Audited Consolidated Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_3">Consolidated Balance Sheets</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_4">Consolidated Statements of Income</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_5">Consolidated Statements of Shareholders&#146; Equity</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_6">Consolidated Statements of Cash Flows</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index208905_7">Notes to Consolidated Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index208905_1"></A>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the Board of Directors and Stockholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial,
Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have audited the accompanying consolidated balance sheets of Nicholas Financial, Inc. and Subsidiaries (the &#147;Company&#148;) as of
March&nbsp;31, 2016 and 2015 and the related consolidated statements of income, shareholders&#146; equity, and cash flows for each of the years in the three-year period ended March&nbsp;31, 2016. These consolidated financial statements are the
responsibility of the Company&#146;s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we
plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated
financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable
basis for our opinion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial
position of the Company as of March&nbsp;31, 2016 and 2015 and the results of its operations and its cash flows for each of the years in the three-year period ended March&nbsp;31, 2016, in conformity with accounting principles generally accepted in
the United States of America. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States),
the Company&#146;s internal control over financial reporting as of March&nbsp;31, 2016, based on criteria established in the <I>Internal Control-Integrated Framework</I> (2013)&nbsp;issued by the Committee of Sponsoring Organizations of the Treadway
Commission, and our report dated June&nbsp;14, 2016 expressed an unqualified opinion on the effectiveness of the Company&#146;s internal control over financial reporting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ Dixon Hughes Goodman LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Atlanta, Georgia </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;14, 2016 </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nicholas Financial, Inc. and Subsidiaries </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="index208905_3"></A>Consolidated Balance Sheets </P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(In thousands) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Finance receivables, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>311,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assets held for resale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,148</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,747</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prepaid expenses and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>977</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income taxes receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>593</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Property and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,290</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">872</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,615</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,361</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>325,309</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities and shareholders&#146; equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Line of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>211,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Drafts payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,499</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounts payable and accrued expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,839</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred revenues</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,917</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>222,460</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">212,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commitments and contingencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock, no par: 5,000 shares authorized; none issued</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock, no par: 50,000 shares authorized; 12,466 and 12,416 shares issued respectively;
7,753 and 7,702 shares outstanding, respectively</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>33,287</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury stock: 4,714 common shares, at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(70,459</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>140,021</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,642</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>102,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>325,309</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See accompanying notes. </I></P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nicholas Financial, Inc. and Subsidiaries </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="index208905_4"></A>Consolidated Statements of Income </P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(In thousands, except per share amounts) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest and fee income on finance receivables</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,707</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="8"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Marketing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,497</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,313</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Professional fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,194</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,383</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Administrative</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,831</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,843</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26,278</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>458</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,007</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,970</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,678</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in fair value of interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(688</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>70,602</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>20,105</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,726</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.60</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.59</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends declared per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See accompanying notes. </I></P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nicholas Financial, Inc. and Subsidiaries </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="index208905_5"></A>Consolidated Statements of Shareholders&#146; Equity </P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(In thousands) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Common Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Treasury<BR>Stock</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Retained<BR>Earnings</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Shareholders&#146;<BR>Equity</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at March&nbsp;31, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,032</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">96,934</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">126,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issuance of common stock under stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefit on share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividend</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,851</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,851</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at March&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,152</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110,786</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">141,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issuance of common stock under stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grants of restricted share awards, net of forfeitures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefit on share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common shares purchased</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,714</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,702</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,642</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issuance of common stock under stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>13</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>85</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>85</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grants of restricted share awards, net of forfeitures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>38</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax deficiency on share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(38</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(38</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefit on share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>574</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>574</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Additional tender offer cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,753</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>33,287</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(70,459</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>140,021</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>102,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See accompanying notes. </I></P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nicholas Financial, Inc. and Subsidiaries </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="index208905_6"></A>Consolidated Statements of Cash Flows </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(In thousands) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash flows from operating activities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjustments to reconcile net income to net cash provided by operating activities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>458</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Gain) loss on sale of property and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(24</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(64</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26,278</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of dealer discounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(13,811</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,852</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,491</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(292</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>574</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in fair value of interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(688</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Changes in operating assets and liabilities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prepaid expenses and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>192</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(129</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounts payable and accrued expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(2,002</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,085</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,519</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income taxes receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(480</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(991</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred revenues</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>774</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24,070</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash flows from investing activities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase and origination of finance contracts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(173,027</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(164,830</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(156,997</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Principal payments received including recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>137,627</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135,992</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in assets held for resale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(401</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(51</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(493</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of property and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(913</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(443</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(465</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sale of property and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>61</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash used in investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(36,653</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(26,504</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,880</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash flows from financing activities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net proceeds from line of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment of cash dividend</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,851</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Decrease) increase in drafts payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(977</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">242</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment of debt origination costs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(25</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(318</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from exercise of share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>85</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefits of stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of common shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,044</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,499</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">351</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net (decrease) increase in cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(1,539</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(163</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash, beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,388</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,798</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash, end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Supplemental disclosure of noncash investing and financing activities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax deficiency from share awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(38</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See accompanying notes. </I></P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nicholas Financial, Inc. and Subsidiaries </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="index208905_7"></A>Notes to Consolidated Financial Statements </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1. Organization and Basis of Presentation </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc. (&#147;Nicholas Financial &#150; Canada&#148;) is a Canadian holding company incorporated under the laws of
British Columbia with two wholly owned United States subsidiaries, Nicholas Data Services, Inc. (&#147;NDS&#148;) and Nicholas Financial, Inc. (&#147;NFI&#148;). NDS historically was engaged in supporting and updating industry-specific computer
application software for small businesses located primarily in the Southeastern United States. NDS has ceased its operations; however it continues as the interim holding company for Nicholas Financial. NDS&#146;s activities accounted for less than
1% of the Company&#146;s consolidated revenues for each of the fiscal years ended March&nbsp;31, 2015 and 2014. NFI is a specialized consumer finance company engaged primarily in acquiring and servicing automobile finance installment contracts
(&#147;Contracts&#148;) for purchases of new and used automobiles and light trucks. To a lesser extent, NFI also offers direct consumer loans (&#147;Direct Loans&#148;) and sells consumer-finance related products. Both NDS and NFI are based in
Florida, U.S.A. The accompanying consolidated financial statements are stated in U.S. dollars and are presented in accordance with accounting principles generally accepted in the United States of America (&#147;U.S. GAAP&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has one reportable segment, which is the consumer finance company. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consolidation </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The consolidated
financial statements include the accounts of Nicholas Financial &#150; Canada and its wholly owned subsidiaries, NDS and NFI, collectively referred to as (the &#147;Company&#148;). All intercompany transactions and balances have been eliminated.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dividends </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following cash dividends were
declared during fiscal year ended March&nbsp;31, 2014. No dividends were declared during the fiscal years ended March&nbsp;31, 2015 and 2016. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:38.85pt; font-size:8pt; font-family:Times New Roman"><B>Fiscal&nbsp;Year</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Date&nbsp;Declared</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Record&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Date&nbsp;Paid</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount&nbsp;of</B><br><B>Dividend</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;7,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;21, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">June&nbsp;28, 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">August&nbsp;13,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;20,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">September&nbsp;27,&nbsp;2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax
Convention which is included in earnings under the caption of administrative expenses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Tender Offer </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On March&nbsp;19, 2015, the Company announced the final results of the modified &#147;Dutch auction&#148; tender offer for the purchase of approximately
4.7&nbsp;million shares of the Company&#146;s common shares by its principal operating subsidiary.&nbsp;The tender offer expired on March&nbsp;13, 2015.&nbsp;Total payments for common shares, including costs were approximately $70.5 million. Such
costs were recorded as an increase to treasury stock, reducing shareholders&#146; equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The aggregate number of common shares purchased in the tender
offer by Nicholas represented approximately 38.0% of the Company&#146;s outstanding common shares as of March&nbsp;17, 2015.&nbsp;Following settlement of the tender offer, the Company had approximately 7.7&nbsp;million common shares outstanding.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Use of Estimates </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The preparation of consolidated
financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated
financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the
determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Finance Receivables </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts and the allowance for credit losses. The amount of unearned
interest, dealer discounts and allowance for credit losses as of March&nbsp;31, 2016 and March&nbsp;31, 2015 are approximately $186.3 and 169.1&nbsp;million respectively (See Note 3). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Allowance for Credit Losses </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The allowance for credit
losses is increased by charges against earnings and decreased by charge-offs (net of recoveries). The Company aggregates Contracts into static pools consisting of Contracts purchased during a three-month period for each branch location as management
considers these pools to have similar risk characteristics. Management&#146;s periodic evaluation of the adequacy of the allowance is based on the Company&#146;s past loan experience, known and inherent risks in the portfolio, adverse situations
that may affect the borrowers&#146; ability to repay, the estimated value of any underlying collateral, and current economic conditions. As conditions change, the Company&#146;s level of provisioning and allowance may change as well. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Assets Held for Resale </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Assets held for resale are
stated at net realizable value and consist primarily of automobiles that have been repossessed by the Company and are awaiting final disposition. Most costs associated with repossession, transport and auction preparation expenses are reported under
operating expenses in the period in which they are incurred. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Property and Equipment </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Property and equipment are recorded at cost, net of accumulated depreciation. Expenditures for repairs and maintenance are charged to expense as incurred.
Depreciation of property and equipment is computed using the straight-line method over the estimated useful lives of the assets as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="21%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="75%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Automobiles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">3 years</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">5 years</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Furniture&nbsp;and&nbsp;fixtures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">7 years</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Leasehold&nbsp;improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Lesser&nbsp;of&nbsp;lease&nbsp;term&nbsp;or&nbsp;useful&nbsp;life&nbsp;(generally&nbsp;6&nbsp;-&nbsp;7&nbsp;years)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Drafts Payable </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Drafts
payable represent checks disbursed for loan purchases which have not yet been funded. Amounts generally clear within two business days of period end and then increase the line of credit or reduce cash. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Income taxes are accounted for under the
asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their
respective tax bases along with operating loss and tax credit carryforwards, if any. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are
expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rate is recognized in income in the period that includes the enactment date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company recognizes tax benefits from an uncertain tax position only if it is more likely than not that
the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from any such position would be measured based on the
largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. It is the Company&#146;s policy to recognize interest and penalties accrued on any uncertain tax benefits as a component of income tax
expense. The Company does not have any accrued interest or penalties associated with any unrecognized tax benefits, nor has the Company recognized any related interest or penalties during the three years ended March&nbsp;31, 2016. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company files income tax returns in the U.S. Federal jurisdiction and various State jurisdictions. The Company is no longer subject to U.S. Federal and
State tax examinations for years before 2013. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Revenue Recognition </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest income on finance
receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier, or when the
account is in Chapter 13 bankruptcy. Chapter 13 bankruptcy accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankruptcy accounts does not resume until all principal amounts are recovered (see Note 3). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company
actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle, and competition in any given market. In making decisions regarding the purchase of a particular Contract the
Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company
examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The dealer discount is
amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount, as a percent of the amount financed, associated with new volume for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 was
7.51%, 8.08% and 8.44%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the
Contract amount. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile
warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s net costs for originating Direct Loans are deferred and recognized as an adjustment to the yield and are amortized over the life of the
loan using the interest method. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Earnings Per Share </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per
share is calculated using the two-class method. Basic earnings per share is calculated by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period, which excludes the
participating securities. Diluted earnings per share includes the dilutive effect of additional potential common shares from stock compensation awards. Earnings per share have been computed based on the following weighted average number of common
shares outstanding: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31,</B><br><B>(In thousands, except earnings per<BR>share numbers)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Numerator:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per consolidated statements of income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,379</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less: Allocation of earnings to participating securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(170</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income allocated to common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,209</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic earnings per share computation:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income allocated to common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,209</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average common shares outstanding, including shares considered participating
securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,727</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less: Weighted average participating securities outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(105</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average shares of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,622</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.60</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted earnings per share computation:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income allocated to common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,209</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undistributed earnings re-allocated to participating securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income allocated to common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,211</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average common shares outstanding for basic earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,622</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Incremental shares from stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>70</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average shares and dilutive potential common shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,692</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.59</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive.
Approximately 161,000, 155,000, and 10,000 stock options were not included in the computation of diluted earnings per share for the years ended March&nbsp;31, 2016, 2015 and 2014 respectively, because their effect would have been anti-dilutive. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Share-Based Payments </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The grant date fair value of share
awards is recognized in earnings over the requisite service period (presumptively the vesting period). The Company estimates the fair value of option awards using the Black-Scholes option pricing model. The risk-free interest rate is based upon a
U.S. Treasury instrument with a life that is similar to the expected term of the options. Expected volatility is based upon the historical volatility for the previous period equal to the expected term of the options. The expected term is based upon
the average life of previously issued options. The expected dividend yield is based upon the yield expected on date of grant to occur over the term of the option. The fair value of non-vested restricted and performance shares are measured at the
market price of a share on a grant date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The pool of excess tax benefits available to absorb future tax deficiencies is based on increases to
shareholders&#146; equity related to tax benefits from share-based compensation, combined with the tax on the cumulative incremental compensation costs previously included in pro forma net income disclosures as if the Company had applied the
fair-value method to all awards. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Fair Value Measurements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or
paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a
three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in
active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions (see Note 7). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Financial Instruments and Concentrations </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Company&#146;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), the line of credit, and interest rate swap agreements. Financial instruments that are exposed to concentrations of credit
risk are primarily finance receivables and cash. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2016, the Company operated in eighteen states through sixty-seven branch locations.
Florida represented 29% of the finance receivables total as of March&nbsp;31, 2016. Ohio represented 14%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&nbsp;31, 2016. Of the remaining fourteen
states, no one state represented more than 5% of the total finance receivables. The Company provides credit during the normal course of business and performs ongoing credit evaluations of its customers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company maintains reserves for potential credit losses which, when realized, have been within the range of management&#146;s expectations. The Company
perfects a primary security interest in all vehicles financed as a form of collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The combined account balances the Company maintains at financial
institutions typically exceed federally insured limits, and there is a concentration of credit risk related to accounts on deposit in excess of federally insured limits. The Company has not experienced any losses in such accounts and believes this
risk of loss is not significant. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Rate Swap Agreements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest rate swap agreements are reported as either assets or liabilities in the consolidated balance sheet at fair value. Interest rate swap agreements are
not designated as cash-flow hedges, and accordingly, the changes in the fair value are recorded in earnings. The Company does not use interest rate swap agreements for speculative purposes (see Note 6). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Statements of Cash Flows </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Cash paid for income taxes for
the years ended March&nbsp;31, 2016, 2015 and 2014 was approximately $8.5 million, $7.3 million and $10.8 million respectively. Cash paid for interest, including debt origination costs for the years ended March&nbsp;31, 2016, 2015 and 2014 was
approximately $8.8 million, $6.1 million and $5.7 million respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Recent Accounting Pronouncements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In March 2016, the Financial Accounting Standards Board (&#147;FASB&#148;) issued the Accounting Standards Update (&#147;ASU&#148;) 2016-09,
&#147;<I>Compensation&#151;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&#148; </I>which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income
tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. For public entities, ASU 2016-09 is effective for annual periods beginning after December&nbsp;15, 2016, including interim
periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In February 2016, the FASB issued ASU No.&nbsp;2016-02, &#147;Leases&#148;, intended to improve financial reporting about leasing transactions. The ASU
affects all companies and other organizations that lease assets such as real estate, airplanes, and manufacturing equipment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;The ASU will require organizations that lease assets&#151;referred to as &#147;lessees&#148;&#151;to
recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The accounting by organizations that own the assets leased by the lessee&#151;also known as lessor accounting&#151; will remain largely
unchanged from current U.S. GAAP. ASU 2016-02 is effective for annual periods beginning after December&nbsp;15, 2018, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact
of the pending adoption of this ASU on the Company&#146;s consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In January 2016, the FASB issued ASU No.&nbsp;2016-01,
&#147;Financial Instruments&#151;Recognition and Measurement of Financial Assets and Liabilities,&#148; which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method
or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate
presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the
requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring
a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &#147;own credit&#148;)
when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&nbsp;15, 2017,
including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#146;s
consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In April 2015, the FASB issued ASU No.&nbsp;2015-03, &#147;Interest&#151;Imputation of Interest (Subtopic 835-30):
Simplifying the Presentation of Debt Issuance Costs.&#148; The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that
debt liability, consistent with debt discounts. In August 2015, the FASB issued ASU No.&nbsp;2015-15, since 2015-03 did not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. The SEC staff
indicated they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there
are any outstanding borrowings on the line-of-credit arrangement. The amendments are effective for financial statements issued for fiscal years beginning after December&nbsp;15, 2015, and interim periods within those fiscal years. Early adoption of
the amendments is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In May 2014, the FASB issued ASU No.&nbsp;2014-09, &#147;Revenue from Contracts with Customers (Topic 606)&#148;. The ASU requires an entity to recognize the
amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU, and all subsequently issued clarifying ASUs, will replace most existing revenue recognition guidance in U.S. GAAP when it
becomes effective. The standard permits the use of either the retrospective or cumulative effect transition method. On July&nbsp;9, 2015, the FASB approved the deferral of the effective date of ASU 2014-09 by one year. As a result, ASU 2014-09 will
be effective for annual reporting periods beginning after December&nbsp;15, 2017, including interim periods within that reporting period. The ASU would permit public entities to adopt the ASU early, but not before the original effective date (i.e.,
annual periods beginning after December&nbsp;15, 2016). The Company has not yet selected a transition method and is currently evaluating the impact of the pending adoption of this ASU on the Company&#146;s consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company does not believe there are any other recently issued accounting standards that have not yet been adopted that will have a material impact on the
Company&#146;s consolidated financial statements. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3. Finance Receivables </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Finance receivables consist of Contracts and Direct Loans, each of which comprise a portfolio segment. Each portfolio segment consists of
smaller balance homogeneous loans which are collectively evaluated for impairment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company purchases individual Contracts from new and used
automobile dealers in its markets. There is no relationship between the Company and the dealer with respect to a given Contract once the assignment of that Contract is complete. The dealer has no vested interest in the performance of any Contract
the Company purchases. The Company charges-off receivables when an individual account has become more than 120 days contractually delinquent. In the event of repossession, the charge-off will occur in the month in which the vehicle was repossessed.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3. Finance Receivables (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Contracts included in finance receivables are detailed as follows as of fiscal years ended March&nbsp;31:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indirect finance receivables, gross contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>487,118</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">447,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">413,612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unearned interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(152,911</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(136,896</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(121,996</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indirect finance receivables, net of unearned interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>334,207</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">310,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">291,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unearned dealer discounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(18,023</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17,780</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17,214</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indirect finance receivables, net of unearned interest and unearned dealer discounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>316,184</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">292,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">274,402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,325</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,889</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indirect finance receivables, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>303,919</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">281,042</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">261,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.67% and
22.86% as of March&nbsp;31, 2016 and 2015, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes in the allowance for credit
losses on Contracts for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,325</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,091</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>25,926</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(27,963</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25,042</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,691</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,977</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company purchases Contracts from automobile dealers at a negotiated price that is less than the original principal amount
being financed by the purchaser of the automobile. The Contracts are predominately for used vehicles. As of March&nbsp;31, 2016, the average model year of vehicles collateralizing the portfolio was a 2007 vehicle. The Company utilizes a static pool
approach to track portfolio performance. If the allowance for credit losses is determined to be inadequate for a static pool, then an additional charge to income through the provision is used to maintain adequate reserves based on management&#146;s
evaluation of the risk inherent in the loan portfolio, the composition of the portfolio, and current economic conditions. Such evaluation, considers among other matters, the estimated net realizable value of the underlying collateral, economic
conditions, historical loan loss experience, management&#146;s estimate of probable credit losses and other factors that warrant recognition in providing for an adequate allowance for credit losses. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Direct Loans are also included in finance receivables and are detailed as follows as of fiscal years ended March&nbsp;31: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Direct finance receivables, gross contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,012</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unearned interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(2,346</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,367</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,311</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Direct finance receivables, net of unearned interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,666</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(703</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(590</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Direct finance receivables, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,918</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,862</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,830</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The terms of the Direct Loans range from 12 to 60 months and bear a weighted average contractual interest rate of 25.72% and
26.14% as of March&nbsp;31, 2016 and 2015, respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3. Finance Receivables (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct
Loans for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>703</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>352</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">285</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Losses absorbed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(328</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(277</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(192</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>21</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Direct Loans are loans originated directly between the Company and the consumer. These loans are typically for amounts ranging
from $1,000 to $9,000 and are generally secured by a lien on an automobile, watercraft or other permissible tangible personal property. The majority of Direct Loans are originated with current or former customers under the Company&#146;s automobile
financing program. The typical Direct Loan represents a significantly better credit risk than Contracts due to the customer&#146;s historical payment history with the Company; however, the underlying collateral is less valuable. In deciding whether
or not to make a loan, the Company considers the individual&#146;s credit history, job stability, income and impressions created during a personal interview with a Company loan officer. Additionally, because most of the Direct Loans made by the
Company to date have been made to borrowers under Contracts previously purchased by the Company, the payment history of the borrower under the Contract is a significant factor in making the loan decision. As of March&nbsp;31, 2016, loans made by the
Company pursuant to its Direct Loan program constituted approximately 2% of the aggregate principal amount of the Company&#146;s loan portfolio. Changes in the allowance for credit losses for both Contracts and Direct Loans were driven by current
economic conditions and credit loss trends over several reporting periods which are utilized in estimating future losses and overall portfolio performance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A performing account is defined as an account that is less than 61 days past due. A non-performing account is defined as an account that is contractually
delinquent for 61 days or more or is a Chapter 13 bankruptcy account, and the accrual of interest income is suspended. When an account is 120 days contractually delinquent, the account is written off. Upon notification of a bankruptcy, an account is
monitored for collection with other Chapter 13 bankruptcy accounts. In the event the debtors balance has been reduced by the bankruptcy court, the Company will record a loss equal to the amount of principal balance reduction. The remaining balance
will be reduced as payments are received by the bankruptcy court. In the event an account is dismissed from bankruptcy, the Company will decide, based on several factors, to begin repossession proceedings or to allow the customer to begin making
regularly scheduled payments. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table is an assessment of the credit quality by creditworthiness as of March&nbsp;31: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Contracts</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Direct<BR>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Contracts</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Direct<BR>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Performing accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>473,429</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,899</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">438,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,435</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>79</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,765</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>482,864</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,978</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">443,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chapter 13 bankruptcy accounts, net of unearned interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,254</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>34</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Finance receivables, gross contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>487,118</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,012</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">447,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3. Finance Receivables (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following tables present certain information regarding the delinquency rates experienced by the Company
with respect to Contracts and Direct Loans, excluding any Chapter 13 bankruptcy accounts: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:33.75pt; font-size:8pt; font-family:Times New Roman"><B>Contracts</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross Balance<BR>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>31&nbsp;&#150;&nbsp;60&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>61&nbsp;&#150;&nbsp;90&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Over<BR>90&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March&nbsp;31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>482,864</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>17,466</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,069</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,366</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26,901</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3.61</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.26</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.70</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5.57</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">443,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,330</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">410,532</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,897</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.72</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:44.20pt; font-size:8pt; font-family:Times New Roman"><B>Direct Loans</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross&nbsp;Balance<BR>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>31&nbsp;&#150;&nbsp;60&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>61&nbsp;&#150;&nbsp;90&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Over<BR>90&nbsp;days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March&nbsp;31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,978</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>161</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>41</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>38</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>240</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.47</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.37</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.35</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.19</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,705</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">191</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>4. Property and Equipment </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Property and equipment as of March&nbsp;31, 2016 and 2015 is summarized as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Accumulated<BR>Depreciation</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Book<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Automobiles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>623</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>413</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>210</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,473</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>664</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>809</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Furniture and fixtures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>512</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>408</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>104</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Leasehold improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,144</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>977</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>167</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,752</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,462</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,290</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Automobiles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">613</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">365</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">516</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">390</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Furniture and fixtures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">391</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Leasehold improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">964</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">872</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5. Line of Credit </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On January&nbsp;31, 2015 the Company executed an amendment with its consortium of lenders. Included in the amendment was an increase in the
size of the credit facility (the &#147;Line&#148;) from $150.0 million to $225.0 million once the tender offer (see Note 1) became effective which was executed on March&nbsp;13, 2015. The pricing of the Line, which did not change, expires on
January&nbsp;30,&nbsp;2018, is 300 basis points above 1-month LIBOR with a 1% floor on LIBOR (4.00% at March&nbsp;31, 2016 and March&nbsp;31, 2015) plus an unused line fee of 0.50%. Pledged as collateral for the Line are all of the assets of the
Company. The outstanding amount of the Line was $211.0 million and $199.0 million as of March&nbsp;31, 2016 and March&nbsp;31, 2015, respectively. The amount available under the Line was $14.0 million and $26.0 million as of March&nbsp;31, 2016 and
March&nbsp;31, 2015, respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5. Line of Credit (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Line requires compliance with certain financial ratios and covenants and satisfaction of specified
financial tests, including maintenance of asset quality and performance tests. Dividends do not require consent in writing by the agent and majority lenders under the new Line as long as the Company is in compliance with a net income covenant. As of
March&nbsp;31, 2016, the Company was in compliance with all debt covenants. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6. Interest Rate Swap Agreements </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company utilizes interest rate swap agreements to manage exposure to variability in expected cash flows attributable to interest rate
risk. The interest rate swap agreements convert a portion of the Company&#146;s floating rate debt to a fixed rate, more closely matching the interest rate characteristics of the Company&#146;s finance receivables. As of the twelve months ended
March&nbsp;31, 2016 and 2015, no new contracts were initiated and no contracts matured. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company currently has two interest rate swap agreements. A
June&nbsp;4, 2012 interest rate swap agreement provides for a five-year term in which the Company pays a fixed rate of 1% and receives payments from the counterparty on the 1-month LIBOR rate. This interest rate swap agreement has an effective date
of June&nbsp;13, 2012 and a notional amount of $25.0 million. A July&nbsp;30, 2012 agreement provides for a five-year term in which the Company pays a fixed rate of 0.87% and receives payments from the counterparty on the 1-month LIBOR rate. This
interest rate swap agreement has an effective date of August&nbsp;13, 2012 and a notional amount of $25.0 million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The locations and amounts of losses
recognized in income are detailed as follows for the fiscal years ended March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Periodic change in fair value of interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(24</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(364</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Periodic settlement differentials included in interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(343</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(393</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loss recognized in income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(367</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(757</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net realized losses from the interest rate swap agreements were recorded in the interest expense line item of the consolidated
statements of income. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table summarizes the average variable rates received and average fixed rates paid under the interest rate swap
agreements as of March&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average variable rate received</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.26</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.16</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average fixed rate paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.94</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7. Fair Value Disclosures </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Assets and Liabilities Recorded at Fair Value on a Recurring Basis </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company estimates the fair value of interest rate swap agreements based on the estimated net present value of the future cash flows using a forward
interest rate yield curve in effect as of the measurement period, adjusted for nonperformance risk, if any, including a quantitative and qualitative evaluation of both the Company&#146;s credit risk and the counterparty&#146;s credit risk.
Accordingly, the Company classifies interest rate swap agreements as Level 2. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair&nbsp;Value&nbsp;Measurement&nbsp;Using</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:39.50pt; font-size:8pt; font-family:Times New Roman"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level&nbsp;1</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level&nbsp;2</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level&nbsp;3</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest rate swap agreements:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March&nbsp;31, 2016 &#150; liability:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2015 &#150; liability:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(181</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(181</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7. Fair Value Disclosures (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Financial Instruments Not Measured at Fair Value </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s financial instruments consist of cash, finance receivables and the Line. For each of these financial instruments the carrying value
approximates fair value. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Finance receivables, net approximates fair value based on the price paid to acquire Contracts. The price paid reflects
competitive market interest rates and purchase discounts for the Company&#146;s chosen credit grade in the economic environment. This market is highly liquid as the Company acquires individual loans on a daily basis from dealers. The initial terms
of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 12 to 60 months. In addition, there have been minimal decreases in interest rates and purchase discounts related to these types of loans due to the
competitive nature of the current market. If liquidated outside of the normal course of business, the amount received may not be the carrying value. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Based on current market conditions, any new or renewed credit facility would contain pricing that approximates the Company&#146;s current Line. Based on these
market conditions, the fair value of the Line as of March&nbsp;31, 2016 was estimated to be equal to the book value. The interest rate for the Line is a variable rate based on LIBOR pricing options. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurement Using</B><br><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:39.50pt; font-size:8pt; font-family:Times New Roman"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level&nbsp;1</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level 2</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Level 3</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Carrying</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March 31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,849</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Finance receivables:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March 31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>311,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>311,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>311,837</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Line of credit:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>March 31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>211,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>211,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>211,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company may be required, from time to time, to measure certain assets and liabilities at fair value on a nonrecurring basis. The Company did not have any
assets or liabilities measured at fair value on a nonrecurring basis as of March&nbsp;31, 2016 and 2015. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>8. Income Taxes </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes consists of the following for the years ended March&nbsp;31: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,931</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,688</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,049</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total current</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,980</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,884</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(221</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,474</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(33</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deferred</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(254</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,726</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>8. Income Taxes (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The net tax effects of temporary differences between the carrying amounts of assets and liabilities for
financial reporting purposes and the amounts used for income tax purposes are reflected in deferred income taxes. Significant components of the Company&#146;s deferred tax assets consist of the following as of March&nbsp;31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for credit losses not currently deductible for tax purposes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,918</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,552</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>491</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest rate swap agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>78</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other items</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>128</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,615</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,361</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes reflects an effective U.S tax rate, which differs from the corporate tax rate for the following
reasons: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for income taxes at Federal statutory rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,037</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase (decrease) resulting from:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State income taxes, net of Federal benefit<BR></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>660</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,059</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction costs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>&#151;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(734</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>29</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,726</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s effective tax rate increased to 38.43% in fiscal 2016 from 35.41% in fiscal 2015 and 41.73% in fiscal 2014.
The Company had approximately $2.1 million of previously non-deductible expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not consummated, the $2.1 million became deductible in 2015 creating a
favorable effective tax rate. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>9. Share-Based Payments </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has share awards outstanding under two share-based compensation plans (the &#147;Equity Plans&#148;). The Company believes that
such awards better align the interests of its employees with those of its shareholders. Under the shareholder-approved 2006 Equity Incentive Plan (the &#147;2006 Plan&#148;) the Board of Directors was authorized to grant option awards for up to
approximately 1.1&nbsp;million common shares. On August&nbsp;13, 2015, the Company&#146;s shareholders approved the Nicholas Financial, Inc. Omnibus Incentive Plan (the &#147;2015 Plan&#148;) for employees and non-employee directors. Under the 2015
Plan, the Board of Directors is authorized to grant total share awards for up to 750,000 common shares. Awards under the 2006 Plan will continue to be governed by the terms of that plan. The 2015 Plan replaced the 2006 Plan; accordingly no
additional option awards may be granted under the 2006 Plan. In addition to option awards, the 2015 Plan provides for restricted stock, performance share awards, and other equity based compensation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Option awards previously granted to employees and directors under the 2006 Plan generally vest ratably based on service over a five- and three-year period,
respectively, and generally have a contractual term of ten years. Vesting and contractual terms for option awards under the 2015 Plan are essentially the same as those of the 2006 Plan. Restricted stock awards generally cliff vest over a three-year
period based on service conditions. The annual vesting of performance share awards is contingent upon the attainment of company-wide performance goals including annual revenue growth and operating income targets. There are no post-vesting
restrictions for share awards. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company funds share awards from authorized but unissued shares and does not purchase shares to fulfill the obligations
of the plans. Cash dividends, if any, are not paid on unvested performance shares or unexercised options, but are paid on unvested restricted stock awards. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>9. Share-Based Payments (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The fair value of each option granted was estimated on the date of grant using the Black-Scholes
option-pricing model with the following weighted-average assumptions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Risk-free interest rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average expected original term</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5&nbsp;years</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;years</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expected volatility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>23</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expected dividend yield</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.00</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company did not grant any options during the year ended March&nbsp;31, 2014. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A summary of option activity under the Equity Plans as of March&nbsp;31, 2016, and changes during the year are presented below. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Shares in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:27.05pt; font-size:8pt; font-family:Times New Roman"><B>Options</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted<BR>Average<BR>Exercise<BR>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted<BR>Average<BR>Remaining<BR>Contractual<BR>Term</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Aggregate<BR>Intrinsic<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding at March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">363</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding at March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exercisable at March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company granted approximately 10,000 options with a weighted average fair value of $3.01 during the year ended
March&nbsp;31, 2016. The total intrinsic value of options exercised during the years ended March&nbsp;31, 2016, 2015 and 2014 was approximately $82,000, $1,829,000, and $699,000 respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">During the fiscal year ended March&nbsp;31, 2016, approximately 13,000 options were exercised at exercise prices ranging from $1.20 to $10.96 per share.
During the same period approximately 3,000 options were forfeited at exercise prices ranging from $3.60 to $10.96 per share. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Cash received from options
exercised during the fiscal years ended March&nbsp;31, 2016, 2015 and 2014 totaled approximately $85,000, $389,000, and $329,000, respectively. Related income tax benefits during the same periods totaled approximately $31,000, $700,000, and
$267,000, respectively. Such amounts are included in proceeds from exercise of stock options and excess tax benefit on share awards under cash flows from financing activities in the consolidated statements of cash flows. As of March&nbsp;31, 2016,
there was approximately $246,000 of total unrecognized compensation cost related to options granted. That cost is expected to be recognized over a weighted-average period of approximately 2.6 years. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A summary of the status of the Company&#146;s non-vested restricted shares under the Equity Plan as of March&nbsp;31, 2016, and changes during the year then
ended is presented below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Shares in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:85.75pt; font-size:8pt; font-family:Times New Roman"><B>Restricted Share Awards</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted<BR>Average<BR>Grant&nbsp;Date<BR>Fair Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted<BR>Average<BR>Remaining<BR>Contractual<BR>Term</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Aggregate<BR>Intrinsic<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-vested at March 31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Vested</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(45</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-vested at March 31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">879</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>


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



 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>9. Share-Based Payments (continued) </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company awarded approximately 38,000 restricted shares during the fiscal year ended March&nbsp;31, 2016.
During the same period no restricted shares were forfeited. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2016, there was approximately $643,000 of total unrecognized
compensation cost related to non-vested restricted share awards granted under the Equity Plans. That cost is expected to be recognized over a weighted-average period of approximately 1.75 years. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company did not award any performance shares during the fiscal year ended March&nbsp;31, 2016 or March&nbsp;31, 2015. As of March&nbsp;31, 2016, under the
Equity Plans, there were no non-vested performance shares and no unrecognized compensation related to performance shares. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>10. Employee Benefit Plan </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has a 401(k) retirement plan under which all employees are eligible to participate. Employee contributions are voluntary and
subject to Internal Revenue Service limitations. The Company did not make a discretionary matching employee contribution. The Board will re-evaluate the Company&#146;s matching policy for plan year 2017 later this year. For the fiscal years ended
March&nbsp;31, 2016, 2015 and 2014, the Company recorded expenses of approximately $7,000, each year related to this plan. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11. Commitments and Contingencies </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company leases corporate and branch offices under operating lease agreements which provide for annual minimum rental payments as
follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:100.85pt; font-size:8pt; font-family:Times New Roman"><B>Fiscal Year Ending March&nbsp;31</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(In&nbsp;thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Rent expense for the fiscal years ended March&nbsp;31, 2016, 2015, and 2014 was approximately $2.3, $2.1, and $2.0 million
respectively. The Company recognizes rent expense on a straight-line basis over the term of the lease, taking into account, when applicable, lessor incentives for tenant improvements, periods where no rent payment is required and escalations in rent
payments over the term of the lease. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company currently is not a party to any pending legal proceedings other than ordinary routine litigation
incidental to its business, none of which, if decided adversely to the Company, would, in the opinion of management, have a material adverse effect on the Company&#146;s financial condition or results of operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12. Quarterly Results of Operations (Unaudited) </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31, 2016</B><br><B>(In thousands, except earnings per share amounts)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>First<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Second<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Third<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fourth<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,025</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,687</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,757</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>23,238</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,166</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,273</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,311</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,257</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,989</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,177</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,599</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,513</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,915</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,940</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,422</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,040</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,955</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,297</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,425</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,428</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,285</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,041</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,698</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,702</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,670</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,256</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,727</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,726</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.48</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.43</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.36</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.35</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.47</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.42</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.35</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.35</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fiscal Year ended March&nbsp;31, 2015</B><br><B>(In thousands, except earnings per share amounts)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>First<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Second<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Third<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fourth<BR>Quarter</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,723</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,801</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,933</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,449</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,188</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,089</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,935</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,822</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,665</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,909</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,330</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,769</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>


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<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_14"></A>Item&nbsp;9.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Changes In and Disagreements with Accountants on Accounting and Financial Disclosure </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_15"></A>Item&nbsp;9A.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Controls and Procedures </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Evaluation of Disclosure Controls and Procedures </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company maintains disclosure controls and procedures designed to ensure information required to be disclosed in its reports filed pursuant to the
Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), is recorded, processed, summarized and reported within the time periods specified in the SEC&#146;s rules and forms. Such information is accumulated and communicated to
management, including our Chief Executive Officer and Chief Financial Officer as appropriate, to allow timely decisions regarding required disclosure. The Company&#146;s management, including its Chief Executive Officer and Chief Financial Officer,
does not expect that the Company&#146;s disclosure controls and procedures or internal controls will prevent all possible error and fraud. A control system, no matter how well conceived and operated, can provide only reasonable, not absolute,
assurance that the objectives of the control system are met. Further, the design of a control system must reflect the fact there are resource constraints, and the benefits of controls must be considered relative to their costs. Because of the
inherent limitations in all control systems, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s management, including our Chief Executive Officer and Chief Financial Officer, conducted an evaluation of the effectiveness of the
Company&#146;s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Exchange Act) as of March&nbsp;31, 2016. Based upon this evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that the
Company&#146;s disclosure controls and procedures were effective as of March&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Management&#146;s Report on Internal Control over
Financial Reporting </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s management is responsible for establishing and maintaining adequate internal control over financial
reporting, as such term is defined in Rule 13a-15(f) under the Exchange Act. The Company&#146;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the
preparation and fair presentation of financial statements in accordance with generally accepted accounting principles. The Company&#146;s management, including our Chief Executive Officer and Chief Financial Officer, conducted an evaluation of the
effectiveness of our internal control over financial reporting as of March&nbsp;31, 2016, the end of the fiscal year covered by this Report, based on the criteria set forth in <I>Internal Control-Integrated Framework </I>(2013)&nbsp;issued by the
Committee of Sponsoring Organizations of the Treadway Commission. Based on management&#146;s evaluation under the framework in <I>Internal Control-Integrated Framework</I>, management has concluded that the Company&#146;s internal control over
financial reporting was effective as of March&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dixon Hughes Goodman LLP, an independent registered public accounting firm, has audited the
effectiveness of our internal control over financial reporting as of March&nbsp;31, 2016, as stated in their report, which is included below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;14, 2016 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="86%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ralph T. Finkenbrink</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Vice&nbsp;President-Finance and&nbsp;Chief&nbsp;Financial&nbsp;Officer</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Changes in Internal Control Over Financial Reporting </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No change in the Company&#146;s internal control over financial reporting occurred during the Company&#146;s last fiscal quarter that has materially affected,
or is reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the Board of Directors and Stockholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial,
Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have audited Nicholas Financial, Inc. and Subsidiaries (the &#147;Company&#148;) internal control over financial reporting as of March&nbsp;31,
2016, based on criteria established in <I>Internal Control-Integrated Framework </I>(2013)&nbsp;issued by the Committee of Sponsoring Organizations of the Treadway Commission (&#147; the COSO criteria&#148;). The Company&#146;s management is
responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management&#146;s Report on Internal Control Over
Financial Reporting. Our responsibility is to express an opinion on the Company&#146;s internal control over financial reporting based on our audit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We
conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control
over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design
and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our
opinion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A company&#146;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#146;s internal control over financial reporting includes those policies and procedures that
(1)&nbsp;pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2)&nbsp;provide reasonable assurance that transactions are recorded as
necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors
of the company; and (3)&nbsp;provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#146;s assets that could have a material effect on the financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of
effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of March&nbsp;31, 2016, based on the
COSO criteria. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated
financial statements of Nicholas Financial, Inc. as of and for the year ended March&nbsp;31, 2016, and our report dated June&nbsp;14, 2016, expressed an unqualified opinion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ Dixon Hughes Goodman LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Atlanta, Georgia </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;14, 2016 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>


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<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_16"></A>Item&nbsp;9B.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Other Information </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc208905_17"></A>PART III </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_18"></A>Item&nbsp;10.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Directors, Executive Officers and Corporate Governance </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the
captions &#147;Proposal 1: Election of Directors,&#148; &#147;Board of Directors,&#148; &#147;Executive Officers and Compensation&#148; and &#147;Section 16(a) Beneficial Ownership Reporting Compliance&#148; in the definitive Proxy Statement and
Information Circular for the 2016 Annual General Meeting of Shareholders of the Company, which will be filed with the SEC on or about July&nbsp;20, 2016 (the &#147;Proxy Statement&#148;), is incorporated herein by reference. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has adopted a written code of ethics applicable to its chief executive officer, chief financial officer, principal accounting officer and persons
performing similar functions. The text of this code of ethics is filed as Exhibit 14 to this Report. A copy of the code of ethics is also posted on the Company&#146;s web site at <U>www.nicholasfinancial.com</U>. The Company intends to satisfy the
disclosure requirements under Item&nbsp;5.05 of the SEC&#146;s Current Report on Form 8-K regarding amendments to, or waivers from, the code of ethics by posting such information on the Company&#146;s web site at <U>www.nicholasfinancial.com</U>.
The Company is not including the information contained on or available through its web site as a part of, or incorporating such information by reference into, this Report. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_19"></A>Item&nbsp;11.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Executive Compensation, Compensation Interlocks and Insider Participation </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set
forth under the captions &#147;Executive Officers and Compensation&#148; and &#147;Board of Directors&#148; in the Proxy Statement is incorporated herein by reference. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_20"></A>Item&nbsp;12.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
information to be set forth under the caption &#147;Voting Shares and Ownership of Management and Principal Holders&#148; in the Proxy Statement is incorporated herein by reference. See also &#147;Item 5. Market for Registrant&#146;s Common Equity,
Related Stockholder Matters and Issuer Purchases of Equity Securities &#150; Securities Authorized for Issuance Under Equity Compensation Plans&#148; on page 16 and 17 of this Report for certain information relating to the Company&#146;s equity
compensation plans. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_21"></A>Item&nbsp;13.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Certain Relationships and Related Transactions, Director Independence and Board of Directors </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
information to be set forth under the captions &#147;Board of Directors&#148; and &#147;Certain Relationships and Related Transactions&#148; in the Proxy Statement is incorporated herein by reference. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_22"></A>Item&nbsp;14.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Principal Accountant Fees and Services </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the caption
&#147;Proposal 2: Ratification of Appointment of Independent Auditors&#148; in the Proxy Statement is incorporated herein by reference. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc208905_23"></A>PART IV </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><A NAME="toc208905_24"></A>Item&nbsp;15.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Exhibits and Financial Statement Schedules </B></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">The following documents are filed as part of this Report: </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Financial Statements </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">See Part II, Item&nbsp;8, of this Report. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Financial Statement Schedules </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All financial schedules are omitted as the required information is not applicable or the information is presented in the consolidated financial statements or related notes. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Exhibits </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:25.30pt; font-size:8pt; font-family:Times New Roman"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:39.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;3.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Articles of Nicholas Financial, Inc. (1)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Notice of Articles of Nicholas Financial, Inc. (2)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Common Stock Certificate (3)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent, and each of the Lenders parties thereto
(4)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 1, dated as of September 1, 2011, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto (5)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 2, dated as of December 21, 2012, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto (6)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 3, dated as of November 14, 2014, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial, Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto (7)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 4, dated as of January 30, 2015, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial, Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto (8)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. Employee Stock Option Plan (9)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.7</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. Non-Employee Director Stock Option Plan (10)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.8</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement (as Amended and Restated), dated July 2, 2015, between Nicholas Financial, Inc. and Ralph T. Finkenbrink, President and Chief Executive Officer *</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.9</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement (as Amended and Restated), dated July 2, 2015, between Nicholas Financial, Inc. and Kevin D. Bates, Senior Vice President-Branch Operations *</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.10</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement dated July 2, 2015, between Nicholas Financial, Inc. and Katie L. MacGillivary, Chief Financial Officer and Vice President of Finance *</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.11</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Summary of Fiscal 2015/2016/2017 Annual Incentive Programs*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. 2015 Omnibus Incentive Plan (11)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.13</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Stock Option Award*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Restricted Stock Award*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.15</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Performance Share Award*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.16</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">ISDA Master Agreement, dated as of March 30, 1999, between Bank of America, N.A. and Nicholas Financial, Inc.&nbsp;(12)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.17</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated June 4, 2012, and effective June 13, 2012, by and between Nicholas Financial, Inc. and Bank of America, N.A. relating to interest-rate swap transaction
(13)</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="90%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.18</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated June&nbsp;30, 2012, and effective August&nbsp;13, 2012, by and between Nicholas Financial, Inc. and Bank of America, N.A. relating to interest-rate swap transaction (14)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.19</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Dealer Agreement and Schedule thereto listing dealers that are parties to such agreements</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Code of Ethics for Chief Executive Officer and Senior Financial Officers</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;21</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subsidiaries of Nicholas Financial, Inc. (15)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;23</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Dixon Hughes Goodman LLP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;24</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Powers of Attorney (included on signature page hereto)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;31.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;31.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of Vice President and Chief Financial Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;32.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of the Chief Executive Officer Pursuant to 18 U.S.C. &#167; 1350</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;32.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of the Chief Financial Officer Pursuant to 18 U.S.C. &#167; 1350</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.INS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Instance Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.SCH</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Schema Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.CAL</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Calculation Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.DEF</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Definition Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.LAB</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Labels Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.PRE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Presentation Linkbase Document</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Represents a management contract or compensatory plan, contract or arrangement in which a director or named executive officer of the Company participated. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Appendix B to the Company&#146;s Proxy Statement and Information Circular for the 2006 Annual General Meeting of Shareholders filed with the SEC on June&nbsp;30, 2006 (File No. 0-26680).
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 4.2 to the Company&#146;s Registration Statement on Form S-8 filed with the SEC on May&nbsp;24, 2007 (SEC File No. 0-26680). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 4 to the Company&#146;s Annual Report on Form 10-KSB for the fiscal year ended March&nbsp;31, 2004, as filed with the SEC on June&nbsp;29, 2004. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.1 to the Company&#146;s Amendment No.&nbsp;1 to Quarterly Report on Form 10-Q/A for the fiscal quarter ended December&nbsp;31, 2009, as filed with the SEC on March&nbsp;23, 2010.
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.1.1 to the Company&#146;s Quarterly Report on Form 10-Q for the fiscal quarter ended September&nbsp;30, 2011, as filed with the SEC on November&nbsp;9, 2011. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.13 to the Company&#146;s Annual Report on Form 10-K for the fiscal year ended March&nbsp;31, 2013, as filed with the SEC on June&nbsp;14, 2013. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.1 to the Company&#146;s Current Report on Form 8-K, dated November&nbsp;14, 2014, as filed with the SEC on November&nbsp;18, 2014. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.16 to the Company&#146;s Quarterly Report on From 10-Q for the fiscal quarter ended December&nbsp;31, 2014, as filed with the SEC on February&nbsp;9, 2015. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 4 to the Company&#146;s Registration Statement on Form S-8 filed with the SEC on June&nbsp;30, 1999 (SEC File No.&nbsp;333-81967). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 4 to the Company&#146;s Registration Statement on Form S-8 filed with the SEC on June&nbsp;30, 1999 (SEC File No.&nbsp;333-81961). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Appendix A to the Company&#146;s Proxy Statement and Information Circular for the 2015 Annual General Meeting of Shareholders, as filed with the SEC on July&nbsp;6, 2015. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.10 to Amendment No.&nbsp;2 to the Company&#146;s Registration Statement on Form S-2 (Reg. No.&nbsp;333-113215), as filed with the SEC on April&nbsp;7, 2004 </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(13)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.15 to the Company&#146;s Annual Report on Form 10-K for the fiscal year ended March&nbsp;31, 2013, as filed with the SEC on June&nbsp;14, 2013. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(14)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.16 to the Company&#146;s Annual Report on Form 10-K for the fiscal year ended March&nbsp;31, 2013, as filed with the SEC on June&nbsp;14, 2013. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(15)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 21 to the Company&#146;s Annual Report on Form 10-KSB for the fiscal year ended March&nbsp;31, 2004, as filed with the SEC on June&nbsp;29, 2004. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on
its behalf by the undersigned, thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%"></TD>
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<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><B>NICHOLAS&nbsp;FINANCIAL,&nbsp;INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Dated: June 14, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Ralph Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Chief Executive Officer and President</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>KNOW ALL MEN BY THESE PRESENTS </B>that each person whose signature appears below constitutes and appoints Ralph T.
Finkenbrink and Katie L. MacGillivary, and each of them, his or her true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for him or her and in his or her name, place and stead, in any and all capacities,
to sign any and all amendments to this Report, and to file the same, with all exhibits thereto, and any other documents in connection therewith, with the U.S. Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, and
each of them, full power and authority to perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he or she might or could do in person, hereby ratifying and
confirming all that said attorney-in-fact and agents or either of them, or their substitutes, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the Registrant
and in the capacities and on the dates indicated. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:33.30pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:15.95pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:16.00pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ralph T. Finkenbrink</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Ralph T. Finkenbrink</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Executive Officer, President and Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Katie L. MacGillivary</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Katie L. MacGillivary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Financial Officer, Vice President &#150; Finance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Kevin D. Bates</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Kevin D. Bates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sr. Vice President-Branch Operations and Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Stephen Bragin</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Stephen Bragin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robin Hastings</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Robin Hastings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Scott Fink</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Scott Fink</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">June 14, 2016</TD></TR>
</TABLE> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD WIDTH="90%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:25.30pt; font-size:8pt; font-family:Times New Roman"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:39.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;3.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Articles of Nicholas Financial, Inc.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Notice of Articles of Nicholas Financial, Inc.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Common Stock Certificate*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent, and each of the Lenders parties thereto*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 1, dated as of September 1, 2011, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 2, dated as of December 21, 2012, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 3, dated as of November 14, 2014, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial, Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 4, dated as of January 30, 2015, to Second Amended and Restated Loan and Security Agreement, dated as of January 12, 2010, by and among Nicholas Financial, Inc., a Florida corporation, Bank of America, N.A., as agent,
and each of the Lenders parties thereto*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. Employee Stock Option Plan*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.7</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. Non-Employee Director Stock Option Plan*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.8</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement (as Amended and Restated), dated July 2, 2015, between Nicholas Financial, Inc. and Ralph T.&nbsp;Finkenbrink, President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.9</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement, (as Amended and Restated), dated July 2, 2015, between Nicholas Financial, Inc. and Kevin D. Bates, Senior Vice President-Branch Operations</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.10</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement, dated July 2, 2015, between Nicholas Financial, Inc. and Katie L. MacGillivary, Chief Financial Officer and Vice President of Finance</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.11</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Summary of Fiscal 2015/2016/2017 Annual Incentive Bonus Programs</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. 2015 Omnibus Incentive Plan*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.13</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Stock Option Award</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Restricted Stock Award</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.15</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Performance Share Award</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.16</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">ISDA Master Agreement, dated as of March 30, 1999, between Bank of America, N.A. and Nicholas Financial, Inc.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.17</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated June 4, 2012, and effective June 13, 2012, by and between Nicholas Financial, Inc. and Bank of America, N.A. relating to interest-rate swap transaction*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.18</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated July 30, 2012, and effective August 13, 2012, by and between Nicholas Financial, Inc. and Bank of America, N.A. relating to interest-rate swap transaction*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.19</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Dealer Agreement and Schedule thereto listing dealers that are parties to such agreements</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Code of Ethics for Chief Executive Officer and Senior Financial Officers</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;21</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subsidiaries of Nicholas Financial, Inc.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;23</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Dixon Hughes Goodman LLP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;24</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Powers of Attorney (included on signature page hereto)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;31.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;31.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of Senior Vice President and Chief Financial Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;32.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of the Chief Executive Officer Pursuant to 18 U.S.C. &#167; 1350</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;32.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certification of the Chief Financial Officer Pursuant to 18 U.S.C. &#167; 1350</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.INS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Instance Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.SCH</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Schema Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.CAL</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Calculation Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.DEF</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Definition Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.LAB</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Labels Linkbase Document</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>101.PRE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Presentation Linkbase Document</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference. </TD></TR></TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.8
<SEQUENCE>2
<FILENAME>d208905dex108.htm
<DESCRIPTION>EMPLOYMENT AGREEMENT RALPH T. FINKENBRINK
<TEXT>
<HTML><HEAD>
<TITLE>Employment Agreement Ralph T. Finkenbrink</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><I>Exhibit 10.8 </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EMPLOYMENT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As Amended and Restated </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">THIS AGREEMENT is amended and restated as of the 2<SUP STYLE="font-size:85%; vertical-align:top">nd</SUP> day of July, 2015 (as amended and
restated, this &#147;Agreement&#148;), by NICHOLAS FINANCIAL, INC., a British Columbia, Canada corporation (the &#147;Company&#148;), and RALPH T. FINKENBRINK (the &#147;Employee&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">W I T N E S S E T H: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS,
the Company and the Employee entered into an Employment Agreement as of November&nbsp;22, 1999, which was subsequently amended and restated as of July&nbsp;3, 2012 and June&nbsp;30, 2014; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company continues to recognize that circumstances may arise in which a change in control of the Company occurs, through
acquisition or otherwise, thereby causing uncertainty about the Employee&#146;s future employment with the Company without regard to the Employee&#146;s competence or past contributions, which uncertainty may result in the loss of valuable services
of the Employee to the detriment of the Company and its shareholders, and the Company and the Employee wish to provide reasonable security to the Employee against changes in the Employee&#146;s relationship with the Company in the event of any such
change in control; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company and the Employee continue to be desirous that any proposal for a change in control or acquisition
of the Company will be considered by the Employee objectively and with reference only to the best interests of the Company and its shareholders; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee will be in a better position to consider the Company&#146;s best interests if the Employee is afforded reasonable
security, as provided in this Agreement, against altered conditions of employment which could result from any such change in control or acquisition; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee desires to continue to be employed by the Company on the terms and conditions hereinafter set forth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants and agreements of the parties contained herein, and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto covenant and agree as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.
EMPLOYMENT AND DUTIES. Subject to the terms and conditions of this Agreement, the Company agrees to employ the Employee, and the Employee hereby agrees to serve the Company, as President and Chief Executive Officer. The Employee shall report
directly to the Company&#146;s Board of Directors and shall render to the Company such management and policy-making services of the type customarily performed by persons serving in similar capacities with other employers that are similar to the
Company, together with such other duties with which he is charged by the Company&#146;s Articles or Notice of Articles (or any similar governance </P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
instruments) and subject to the overall direction and control of the Company&#146;s Board of Directors. The Employee accepts such employment and agrees to devote his best efforts and
substantially all of his business time, skill, labor and attention to the performance of such duties. The Employee agrees not to engage in or be concerned with any other commercial duties or pursuits during the Term (as hereinafter defined) of this
Agreement; provided, however, that the Employee may be involved in a passive capacity in a non-competitive business subject to the prior written approval of the Company&#146;s Board of Directors. Furthermore, the Employee shall assume and
competently perform such reasonable responsibilities and duties as may be assigned to him from time to time by the Board of Directors of the Company. To the extent that the Company shall have any parent, subsidiary, affiliated corporations,
partnerships, or joint venture (collectively &#147;Related Entities&#148;), the Employee shall perform such duties to promote these entities and their respective interests to the same extent as the interests of the Company without additional
compensation. At all times, Employee agrees that he has read and will abide by, and prospectively will read and abide by, any employee handbook, policy, or practice that the Company or Related Entities has or hereafter adopts with respect to its
employees generally. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. TERM. The employment of the Employee under this Agreement commences on the date hereof and will continue through
and including the close of business on the 2nd anniversary of the date hereof (the &#147;Initial Term&#148;). After the end of the Initial Term, this Agreement shall continue to renew automatically on the anniversary of the last day of the Initial
Term for successive 1-year terms (the Initial Term, as well as any such renewal(s) thereof, shall be referred to herein as the &#147;Term&#148;) unless the Company provides to the Employee, at least sixty (60)&nbsp;days prior to the expiration of
any renewal Term, written notification that it intends not to renew this Agreement; and, provided, further, that this Agreement may be terminated in accordance with Section&nbsp;5 hereof (with the exception of the obligations of the parties
hereunder that shall survive any such termination). Notwithstanding the foregoing, if a Change of Control (as defined in Appendix A hereto) occurs prior to the end of the Initial Term or any renewal term, this Agreement shall be extended
automatically for a two year renewal period beginning on the date of the Change of Control (a &#147;Post-Change of Control Renewal Period&#148;). Expiration of this Agreement will not affect the rights or obligations of the parties hereunder arising
out of, or relating to, circumstances occurring prior to the expiration of this Agreement, which rights and obligations will survive the expiration of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. COMPENSATION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Annual
Base Salary and Bonus. As compensation for his services under this Agreement, the Employee shall receive, and the Company shall pay, an annual base salary of such amount as shall be determined by the Compensation Committee of the Company&#146;s
Board of Directors (or other committee performing similar functions), but not less than $375,000 (U.S.). Such annual base salary shall be payable in equal installments in accordance with the policy then prevailing for the Company&#146;s Employees.
Following a Change of Control, the Employee&#146;s annual base salary shall not be decreased and, during the Post-Change of Control Renewal Period, the Employee&#146;s base salary shall be increased on an annual basis by an amount at least equal to
the average base salary increase, expressed as a percentage, provided to executives of the Company of comparable status and position to the Employee. The Employee also shall be entitled, during the Term, to an annual performance bonus as determined
by the Compensation Committee of the Board of Directors (or other committee performing similar functions), and to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-2- </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
participate in and receive payments from all other bonus and other incentive compensation plans as may be adopted by the Company as are made available to other Employees of the Company. On and
after a Change of Control, to assure that the Employee will have an opportunity to earn incentive compensation, Employee shall be included in a bonus plan of the Company which shall satisfy the standards described below (such plan, the &#147;Bonus
Plan&#148;). Bonuses under the Bonus Plan shall be payable with respect to achieving such financial or other goals reasonably related to the business of the Company as the Company shall establish (the &#147;Goals&#148;), all of which Goals shall be
attainable, prior to the end of the Post-Change of Control Renewal Period, with approximately the same degree of probability as the most attainable goals under the Company&#146;s bonus plan or plans as in effect at any time during the 180-day period
immediately prior to the Change of Control (whether one or more, the &#147;Company Bonus Plan&#148;) and in view of the Company&#146;s existing and projected financial and business circumstances applicable at the time. The amount of the bonus (the
&#147;Bonus Amount&#148;) that Employee is eligible to earn under the Bonus Plan shall be no less than 100% of Employee&#146;s target award provided in such Company Bonus Plan (such bonus amount herein referred to as the &#147;Targeted Bonus&#148;),
and in the event the Goals are not achieved such that the entire Targeted Bonus is not payable, the Bonus Plan shall provide for a payment of a Bonus Amount equal to a portion of the Targeted Bonus reasonably related to that portion of the Goals
which were achieved. Payment of the Bonus Amount shall not be affected by any circumstance occurring subsequent to the end of the Post-Change of Control Renewal Period, including termination of Employee&#146;s employment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Payments. All amounts paid pursuant to this Agreement shall be subject to withholding or deduction by reason of the Federal Insurance
Contribution Act, Federal income tax, state and local income tax, if any, and comparable laws and regulations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Other Benefits. The
Employee shall be reimbursed by the Company for all reasonable and customary travel and other business expenses incurred by him in the performance of his duties hereunder in accordance with the Company&#146;s standard policy regarding expense
verification practices. The Employee shall be entitled to that number of weeks paid vacation per year that is available to other Employees of the Company, and shall be eligible to participate in such pension, life insurance, health insurance,
disability insurance and other employee benefits plans, if any, which the Company may from time to time make available to its Employees generally. On and after a Change of Control, the Employee shall be included: (i)&nbsp;to the extent eligible
thereunder (which eligibility shall not be conditioned on Employee&#146;s salary grade or on any other requirement which excludes persons of comparable status to Employee unless such exclusion was in effect for such plan or an equivalent plan
immediately prior to the Change of Control), in any and all plans providing benefits for the Company&#146;s salaried employees in general (including but not limited to group life insurance, hospitalization, medical, dental, and long-term disability
plans) and (ii)&nbsp;in plans provided to executives of the Company of comparable status and position to Employee (including but not limited to deferred compensation, split-dollar life insurance, supplemental retirement, stock option, stock
appreciation, stock bonus, cash bonus and similar or comparable plans); provided that in no event shall the aggregate level of benefits under the plans described in clause (i)&nbsp;and the plans described in clause (ii), respectively, in which
Employee is included be less than the aggregate level of benefits under plans of the Company of the type referred to in such clause, respectively, in which Employee was participating immediately prior to the Change of Control. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. NONCOMPETITION AND NON-DISCLOSURE REQUIREMENTS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Employee acknowledges that his services are of a special, unique, extraordinary and intellectual character, and his position with the
Company places him in a position of confidence and trust with customers, suppliers and employees of the Company and other Related Entities. The Employee further acknowledges that the rendering of services under this Agreement necessarily requires
the disclosure to him of confidential information (as defined below) of the Company and/or Related Entities. The Employee and the Company agree that both prior to and during his course of employment with the Company, the Employee had, has and will
continue to develop personal relationships with the Company&#146;s financiers, customers, suppliers and employees, and that the Employee holds a position of substantial trust and confidence. As a consequence, the Employee agrees that it is
reasonable and necessary for the protection of goodwill and legitimate business interests of the Company and Related Entities that the Employee make the covenants contained herein, that the covenants are a material inducement for the Company to
employ the Employee and to enter into this Agreement, and that the covenants are given as an integral part of and incident to this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Employee covenants and agrees that during his employment by the Company (whether during the Term hereof or otherwise), and thereafter
for a period of two (2)&nbsp;years following the termination of the Employee&#146;s employment with the Company, he will not: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) directly or indirectly engage in, continue in or carry on the business of the Company or any Related Entity, or any
business substantially similar thereto, including owning or controlling any financial interest in, any corporation, partnership, firm or other form of business organization which competes with or is engaged in or carries on any aspect of such
business or any business substantially similar thereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) directly or indirectly, assist, promote or encourage any
employees or clients, or potential employees or clients, of the Company or Related Entities to terminate or discontinue their relationship in order to pursue opportunities or employment with any competitor of the Company or Related Entities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) consult with, advise or assist in any way, whether or not for consideration, any corporation, partnership, firm or other
business organization which is now, becomes or may become a competitor of the Company or any Related Entity in any aspect of their respective businesses during the Employee&#146;s employment with the Company, including, but not limited to:
advertising or otherwise endorsing the products of any such competitor; soliciting customers or otherwise serving as an intermediary for any such competitor; or loaning money or rendering any other form of financial assistance to or engaging in any
form of business transaction whether or not on an arms&#146; length basis with any such competitor; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) engage in any
practice the purpose of which is to evade the provisions of this Agreement or to commit any act which is detrimental to the successful continuation of, or which adversely affects, the business or the Company;
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">
provided, however, that the foregoing shall not preclude the Employee&#146;s ownership of not more than 5% of the equity securities of a corporation which has such securities registered under
Section&nbsp;12 of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) The Employee acknowledges that the
inventions, innovations, software, trade secrets, business plans, financial strategies, finances, and all other confidential or proprietary information with respect to the business and operations of the Company and Related Entities are valuable,
special and unique assets of the Company. The Employee agrees not to, at any time during or after the Term of this Agreement, disclose, directly or indirectly, to any person or entity, or use or authorize or propose to authorize any person or entity
to use any confidential or proprietary information with respect to the Company or Related Entities without the prior written consent of the Company including, without limitation, information as to the financial condition, results of operations,
identities of clients or prospective clients, products under development, acquisition strategies or acquisitions under consideration, pricing or cost information, marketing strategies or any other information relating to the Company or any of the
Related Entities which could be reasonably regarded as confidential. However, this does not include information which is or shall become generally available to the public other than as a result of disclosure by the Company or Related Entities or any
of their agents, affiliates or representatives or a person to whom any of them has provided such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) The Employee agrees
that the geographic scope of this covenant not to compete shall extend to (i)&nbsp;the states of Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas and
Virginia, which constitute the geographic area in which the Company has operated its business at some time during the two years preceding the date of this Agreement; or (ii)&nbsp;such broader geographic area where the Company conducts business at
any time during the Term of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) In the event of any breach of this covenant not to compete, the Employee recognizes that
the remedies at law will be inadequate and that in addition to any relief at law which may be available to the Company for such violation or breach and regardless of any other provision contained in this Agreement, the Company shall be entitled to
equitable remedies (including an injunction) and such other relief as a court may grant after considering the intent of this Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) In the event a court of competent jurisdiction determines that the provisions of this covenant not to compete are excessively broad as to
duration, geographic scope, prohibited activities or otherwise, the parties agree that this covenant shall be reduced or curtailed to the extent necessary to render it enforceable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. TERMINATION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Death. The
Employee&#146;s employment hereunder shall terminate upon his death. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Disability. If, during the Term, the Employee becomes physically or mentally disabled in
accordance with the terms and conditions of any disability insurance policy covering the Employee or, if due to such physical or mental disability, the Employee becomes unable for a period of more than one hundred eighty (180)&nbsp;consecutive days
to perform his duties hereunder on substantially a full-time basis as determined by the Company in its sole reasonable discretion, the Company may, at its option, terminate the Employee&#146;s employment hereunder upon not less than thirty
(30)&nbsp;days&#146; written notice of termination. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Cause. The Company may terminate this Agreement at any time with Cause. As used
in this Agreement, &#147;Cause&#148; shall mean the following: (1)&nbsp;a material violation of the Company&#146;s policies or practices which reasonably justifies termination; (2)&nbsp;conviction of a felony, as evidenced by a binding and final
judgment, order or decree of a court of competent jurisdiction; (3)&nbsp;the commission by the Employee of any act which would reasonably be expected to materially injure the reputation, business, or business relationships of the Company or Related
Entities; or (4)&nbsp;any material breach by Employee of this Agreement. The Company may terminate this Agreement with Cause as defined in clauses (1)&nbsp;and (4)&nbsp;above upon fifteen (15)&nbsp;business days&#146; prior written notice (the
&#147;Cause Notification Period&#148;) to Employee, but such termination shall only become effective in the event of Employee&#146;s failure to cure the applicable breach or violation, to the reasonable satisfaction of Company, prior to the end of
the Cause Notification Period. The Company may terminate this Agreement without notice at any time with Cause as defined in clause (2)&nbsp;or (3)&nbsp;above. Notwithstanding anything in the foregoing to the contrary, upon and after a Change of
Control, the Company may terminate this Agreement with Cause only as defined in clause (2)&nbsp;or (4)&nbsp;above. In the event of a termination with Cause, the Company shall be relieved of all its obligations to the Employee provided for by this
Agreement, and all payments to the Employees hereunder shall immediately cease and terminate. For the avoidance of doubt, the Company also may terminate the Employee&#146;s employment hereunder at any time without Cause by written notice; provided,
however, that the Company shall owe the Employee the Severance Payment (as defined below) following a termination of the Employee&#146;s employment by the Company other than for Cause. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) Involuntary Termination by Employee. The Employee may terminate his employment hereunder upon (i)&nbsp;a good faith determination by the
Employee that there has been a material breach of the Agreement by the Company, (ii)&nbsp;a material adverse change in the Employee&#146;s working conditions or status, (iii)&nbsp;a significant relocation of the Employee&#146;s principal office, or
(iv)&nbsp;upon or within the two-year period following a Change of Control, a good faith determination by the Employee that there has been any of the following: a breach of the Agreement by the Company, any adverse change in the Employee&#146;s
working conditions, status, authority, duties, responsibilities (including but not limited to a requirement that the Employee report to a corporate officer instead of reporting directly to the board of directors) or any requirement that the Employee
relocate his principal office to a location that is more than ten (10)&nbsp;miles from the location of the Employee&#146;s principal office immediately prior to the Change of Control (any one of the preceding constituting &#147;Good Reason&#148;),
by delivering written notice of termination to the Company indicating in reasonable detail the facts and circumstances alleged to provide a basis for such termination and shall cease performing the Employee&#146;s duties hereunder on the date which
is ten (10)&nbsp;days after delivery of the notice, which date shall also be the date of termination of the Employee&#146;s employment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) Voluntary Termination by Employee. The Employee agrees to provide the Company with at least
twenty (20)&nbsp;business days&#146; (&#147;Termination Notice Period&#148;) prior written notice of his intent to terminate employment voluntarily. Failure to provide such notice terminates the Employee&#146;s entitlement to payment of accrued,
unused benefits, such as vacation. However, the Company reserves the right to terminate the Employee before the end of the Termination Notice Period, provided that the Company pays the Employee the salary that he would have received from the date of
the last payroll payment to the end of the Termination Notice Period. Such salary shall be paid in accordance with the Company&#146;s normal payroll procedures applicable to base salary. During the Termination Notice Period, the Employee agrees to
make a good faith effort to perform the duties described hereunder. If, during the Term, the Employee voluntarily terminates his employment with the Company, the Company&#146;s obligations, including payment obligations, under this Agreement shall
cease, except that the Company shall pay the Employee the amount of base salary that he would have received from the date of the last payroll payment to the end of the Termination Notice Period in accordance with the Company&#146;s normal payroll
procedures applicable to base salary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) Severance Payment and Post-Change of Control Benefits. In the event of a termination of the
Employee&#146;s employment (i)&nbsp;by the Company other than for Cause or (ii)&nbsp;by the Employee in a manner which satisfies Section&nbsp;5(d): </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Company shall pay the Employee (subject to the provisions of Section&nbsp;6 of this Agreement) a one-time, lump-sum
severance payment equal to TWO (2)&nbsp;times the sum of (A)&nbsp;the Employee&#146;s annual base salary in effect at the time of such termination and (B)&nbsp;the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years
immediately preceding such termination (&#147;Severance Payment&#148;). Notwithstanding the foregoing, if such termination of the Employee&#146;s employment occurs during a Post-Change of Control Renewal Period, the Severance Payment shall be
calculated using the Employee&#146;s annual base salary in effect at any time during the period of 180 days prior to the date on which the Change of Control occurred in clause (A), if higher than the annual base salary in effect at the time of such
termination, and the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years immediately preceding the Change of Control in clause (B), if higher than the average annual bonus for the TWO (2)&nbsp;full calendar years
immediately preceding such termination. The Severance Payment shall be paid to the Employee in cash equivalent on the date that is sixty (60)&nbsp;days after the date of termination of the Employee&#146;s employment; provided that, to the extent
required to comply with Section&nbsp;409A of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), all or a portion of the Severance Payment shall be delayed until the first day of the seventh (7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP>)&nbsp;month following the month in which the termination of the Employee&#146;s employment occurs, without interest thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) If such termination of employment occurs during a Post-Change of Control Renewal Period, then the Employee will also
receive the following benefits: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;(1) all restrictions on any restricted stock or restricted stock unit
awards made to Employee by the Company or its affiliates on or after the Change of Control shall lapse such that Employee is </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
fully and immediately vested in such awards upon such termination of employment; (2)&nbsp;any stock options or stock appreciation rights granted to Employee pursuant to the Company&#146;s or its
affiliate&#146;s equity-based incentive plan(s) on or after the Change of Control shall become fully and immediately vested upon such termination of employment; and (3)&nbsp;any performance shares, performance units or similar performance-based
equity awards granted to Employee pursuant to the Company&#146;s or its affiliate&#146;s equity-based incentive plan(s) on or after the Change of Control shall be deemed earned on a pro rated basis according to the portion of the performance period
that has elapsed through the date of the termination of employment as if all performance requirements had been satisfied at the target level (or such higher level as would have been achieved if performance through the date of the termination of
employment had continued through the end of the performance period). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Until the earlier of eighteen (18)&nbsp;months
after the date of Employee&#146;s termination of employment or such time as Employee has obtained new employment and is covered by benefits which in the aggregate are at least equal in value to the following benefits, Employee shall continue to be
covered, at the expense of the Company, by the same or equivalent life insurance, hospitalization, medical, dental and vision coverage as Employee received (or, if higher, as was required hereunder) immediately prior to Employee&#146;s termination
of employment, subject to the following: After the end of the COBRA continuation period, if such hospitalization, medical or dental coverage is provided under a health plan that is subject to Section&nbsp;105(h) of the Code, benefits payable under
such health plan shall comply with the requirements of Treasury regulation section 1.409A-3(i)(1)(iv) and, if necessary, the Company shall amend such health plan to comply therewith; and if provision of any such health benefits would subject the
Company or its benefits arrangements to a penalty or adverse tax treatment, then the Company shall provide a cash payment to Employee in an amount reasonably determined by the Company to be equivalent to the COBRA premiums for similar benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Employee shall receive until the end of the second calendar year following the calendar year in which the
Employee&#146;s termination of employment occurs, at the expense of the Company, outplacement services, on an individualized basis at a level of service commensurate with the Employee&#146;s status with the Company immediately prior to the date of
the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment), provided by a nationally recognized executive placement firm selected by the Company; provided that the cost to the Company of such services
shall not exceed 10% of the Employee&#146;s annual base </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
salary immediately prior to the date of the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Company shall bear up to $15,000 in the aggregate of fees and expenses of consultants and/or legal or accounting
advisors engaged by the Employee to advise the Employee as to matters relating to the computation of benefits due and payable under this Section&nbsp;5. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary in this Agreement, if a Change of Control occurs and the Employee&#146;s employment with the Company
is terminated (other than a termination due to Employee&#146;s death or as a result of Disability) during the period of 180 days prior to the date on which the Change of Control occurs, and if it is reasonably demonstrated by Employee that such
termination of employment (i)&nbsp;was at the request of a third party who has taken steps reasonably calculated to effect a Change of Control or (ii)&nbsp;otherwise arose in connection with or in anticipation of a Change of Control, then for all
purposes of this Agreement such termination of employment shall be deemed a termination following such Change of Control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(g) Benefits.
The following shall apply upon termination of the Employee&#146;s employment: Notwithstanding anything to the contrary herein contained, the Employee shall receive all compensation and other benefits to which he was entitled under this Agreement or
otherwise as an employee of the Company through the termination date, including payments of base salary accrued hereunder through the calendar month in which such termination occurs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. TAX PROVISIONS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a)
Limitation on Parachute Payments. Notwithstanding any other provision of this Agreement, if any portion of the Severance Payment or any other payment under this Agreement, or payments to or for the benefit of the Employee under any other agreement
or plan (collectively, the &#147;Change of Control Benefits&#148;), would constitute an &#147;excess parachute payment,&#148; then the Change of Control Benefits to be made to the Employee shall be reduced such that the value of the aggregate Change
of Control Benefits that the Employee is entitled to receive shall be One Dollar ($1) less than the maximum amount which the Employee may receive without becoming subject to the tax imposed by Section&nbsp;4999 of the Code (or any successor
provision) or which the Company may pay without loss of deduction under Section&nbsp;280G(a) of the Code (or any successor provision); provided that the foregoing reduction in the amount of Change of Control Benefits shall not apply if the after-tax
value to the Employee of the Change of Control Benefits prior to reduction in accordance herewith is greater than the after-tax value to the Employee if the Change of Control Benefits are reduced in accordance herewith. For purposes of this
Agreement, the terms &#147;excess parachute payment&#148; and &#147;parachute payments&#148; shall have the meanings assigned to them in Code Section&nbsp;280G, and such &#147;parachute payments&#148; shall be valued as provided therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Opinion. For purposes of this Section, within thirty (30)&nbsp;days after notice by one party to the other of its belief that there is a
payment or benefit due the Employee that </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
will result in an excess parachute payment as defined in Section&nbsp;280G of the Code or any successor provision thereto, the Employee and the Company shall obtain, at the Company&#146;s
expense, the opinion (which need not be unqualified) of nationally recognized tax counsel (&#147;Tax Counsel&#148;) selected by the Company&#146;s independent auditors and acceptable to the Employee, which sets forth (A)&nbsp;the &#147;base
amount&#148; within the meaning of Section&nbsp;280G; (B)&nbsp;the aggregate present value of the payments in the nature of compensation to the Employee as prescribed in Section&nbsp;280G(b)(2)(A) (ii); (C)&nbsp;the amount and present value of any
&#147;excess parachute payment&#148; within the meaning of Section&nbsp;280G(b)(1) without regard to the limitations of this Section&nbsp;6; (D)&nbsp;the after-tax value of the Change of Control Benefits if the reduction in Change of Control
Benefits contemplated under this Section&nbsp;6 did not apply; and (E)&nbsp;the after-tax value of the Change of Control Benefits taking into account the reduction in Change of Control Benefits contemplated under this Section&nbsp;6. For purposes of
determining the after-tax value of the Change of Control Benefits, the Employee shall be deemed to pay federal income taxes and employment taxes at the highest marginal rate of federal income and employment taxation in the calendar year in which the
payment is to be made and state and local income taxes at the highest marginal rates of taxation in the state and locality of the Employee&#146;s domicile for income tax purposes on the date the payment is to be made, net of the maximum reduction in
federal income taxes that may be obtained from deduction of such state and local taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">In the event that a reduction is to be made under
this Section&nbsp;6, the Change of Control Benefits shall be reduced or eliminated by applying the following principles, in order: (i)&nbsp;the payment or benefit with the higher ratio of the parachute payment value to present economic value
(determined using reasonable actuarial assumptions) shall be reduced or eliminated before a payment or benefit with a lower ratio; (ii)&nbsp;the payment or benefit with the later possible payment date shall be reduced or eliminated before a payment
or benefit with an earlier payment date; and (iii)&nbsp;cash payments shall be reduced prior to non-cash benefits; provided, however, that if the foregoing order of reduction or elimination would violate Section&nbsp;409A of the Code, then the
reduction shall be made pro rata among the payments or benefits included in the Change of Control Benefits (on the basis of the relative present value of the parachute payments). For purposes of this Agreement, the value of any noncash benefits or
any deferred payment or benefit, and all present economic values, shall be determined by the Company&#146;s independent auditors in accordance with the principles of Sections 280G, which determination shall be evidenced in a certificate of such
auditors addressed to the Company and the Employee. Such opinion shall be dated as of the date of termination of the Employee&#146;s employment and addressed to the Company and the Employee and shall be binding upon the Company and the Employee.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;6(b), including the calculations, notices and opinions provided for herein shall be based upon the
conclusive presumption that the compensation earned by the Employee pursuant to the Company&#146;s compensation programs prior to a change of control is reasonable; provided, however, that in the event such Tax Counsel so requests in connection with
the opinion required by this Section&nbsp;6(b), the Company shall obtain at its expense, and Tax Counsel may rely on in providing the opinion, the advice of a firm of recognized Employee compensation consultants as to the reasonableness of any item
of compensation to be received by the Employee. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Effect of Change in Law. In the event that the provisions of Sections 280G and 4999 of the
Code (or any successor provisions) are repealed, this Section&nbsp;6 shall cease to be effective on the effective date of such repeal. The parties to this Agreement recognize that final regulations promulgated under Section&nbsp;280G of the Code may
affect the amounts that may be paid under this Agreement and agree that, upon issuance of such final regulations, this Agreement may be modified as the parties hereto may in good faith deem necessary in light of the provisions of such regulations to
achieve the purposes of this Agreement, and that consent to such modification shall not be unreasonably withheld. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. SUCCESSORS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) If the Company sells, assigns or transfers all or substantially all of its business and assets to any Person (as defined in Appendix A
hereto) or if the Company merges into or consolidates or otherwise combines (where the Company does not survive such combination) with any Person (any such event, a &#147;Sale of Business&#148;), then the Company shall assign all of its right, title
and interest in this Agreement as of the date of such event to such Person, and the Company shall cause such Person, by written agreement in form and substance reasonably satisfactory to the Employee, to expressly assume and agree to perform from
and after the date of such assignment all of the terms, conditions and provisions imposed by this Agreement upon the Company. Failure of the Company to obtain such agreement prior to the effective date of such Sale of Business shall be a material
breach of this Agreement. In case of such assignment by the Company and of assumption and agreement by such Person, as used in this Agreement, &#147;Company&#148; shall thereafter mean such Person which executes and delivers the agreement provided
for in this Section&nbsp;7 or which otherwise becomes bound by all the terms and provisions of this Agreement by operation of law, and this Agreement shall inure to the benefit of, and be enforceable by, such Person. The Employee shall, in the
Employee&#146;s discretion, be entitled to proceed against any or all of such Persons, any Person which theretofore was such a successor to the Company (as defined in the first paragraph of this Agreement) and the Company (as so defined) in any
action to enforce any rights of the Employee hereunder. Except as provided in this Subsection, this Agreement shall not be assignable by the Company. This Agreement shall not be terminated by the voluntary or involuntary dissolution of the Company.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) This Agreement and all rights of the Employee shall inure to the benefit of and be enforceable by the Employee&#146;s personal or
legal representatives, executors, administrators, heirs and beneficiaries. All amounts payable to the Employee under Sections&nbsp;3, 5, and 7 of this Agreement if the Employee had lived shall be paid, in the event of the Employee&#146;s death, to
the Employee&#146;s estate, heirs and representatives; provided, however, that the foregoing shall not be construed to modify any terms of any benefit plan of the Company, as such terms are in effect on the date of the Employee&#146;s death, that
expressly govern benefits under such plan in the event of the Employee&#146;s death. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. SEVERABILITY. The provisions of this Agreement
shall be regarded as divisible, and the parties agree that if any of said provisions or any part hereof shall under any circumstances be deemed or declared invalid, inoperative or unenforceable, then the validity and enforceability of the remainder
of such provisions or parts hereof and the applicability thereof shall not be affected thereby. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. AMENDMENT. This Agreement (as hereby amended and restated) may not be further amended or
modified at any time except by written instrument executed by the Company and the Employee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. WITHHOLDING. The Company shall be
entitled to withhold from amounts to be paid to the Employee hereunder any federal, state or local withholding or other taxes or charges which it is from time to time required to withhold; provided, that the amount so withheld shall not exceed the
minimum amount required to be withheld by law (unless the Employee has otherwise indicated in writing). The Company shall be entitled to rely on an opinion of nationally recognized tax counsel if any question as to the amount or requirement of any
such withholding shall arise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. NOTICE. For purposes of this Agreement, notices and all other communications provided for herein shall
be in writing and shall be deemed to have been duly given when actually received, whether hand-delivered, sent by telecopier, facsimile transmission or other electronic means of transmitting written documents (as long as receipt is acknowledged) or
mailed by United States certified or registered mail, return receipt requested, postage prepaid, addressed as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">If to the
Employee, to: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Ralph T. Finkenbrink </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">4348 Hythe Court </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Palm Harbor, FL 34685 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(727)&nbsp;943-2762 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">If to the Company, to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">2454 McMullen Booth Road </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Building C </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Clearwater, Florida 33759 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attn: Corporate Secretary </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">or to such other address as either party may have furnished to the other in writing in accordance herewith, except that a notice of change of
address shall be effective only upon receipt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. NO WAIVER; ENTIRE AGREEMENT. No waiver by any party hereto of any breach of this
Agreement by any other party hereto shall be deemed a waiver of any similar or dissimilar term or condition at the same or at any prior or subsequent time. This Agreement and any equity award agreements between the Company and the Employee
constitute the entire agreement between the parties hereto with respect to the Employee&#146;s employment by the Company and there are no agreements or representations, oral or otherwise, expressed or implied, with respect to or related to the
employment of the Employee which are not set forth in this Agreement or such equity award agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. NO ASSIGNMENT. Except as
expressly set forth herein, no party shall assign any of his or its rights under this Agreement without the prior written consent of the other party and any attempted assignment without such prior written consent shall be null and void and without
legal effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. COUNTERPARTS; FACSIMILE SIGNATURES. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. This Agreement may be effective upon the execution and delivery by any party hereto of facsimile copies of signature
pages hereto duly executed by such party; provided, however, that any party delivering a facsimile signature page covenants and agrees to deliver promptly after the date hereof two (2)&nbsp;original copies to the other party hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. GOVERNING LAW. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) The
validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State of Florida, except that Section&nbsp;15(b) shall be construed in accordance with the Federal Arbitration Act if arbitration
is chosen by the Employee as the method of dispute resolution. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Any dispute arising out of this Agreement shall, at the
Employee&#146;s election, be determined by either (i)&nbsp;arbitration under the rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which both parties shall be
bound by the arbitration award, or (ii)&nbsp;by litigation. Whether the dispute is to be settled by arbitration or litigation, the venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each
trial court in the selected venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in the manner provided hereunder for the giving of notices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. CERTAIN RULES OF CONSTRUCTION; CODE SECTION 409A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) No party shall be considered as being responsible for the drafting of this Agreement for the purpose of applying any rule construing
ambiguities against the drafter or otherwise. No draft of this Agreement shall be taken into account in construing this Agreement. Any provision of this Agreement which requires an agreement in writing shall be deemed to require that the writing in
question be signed by the Employee and an authorized representative of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Company and the Employee intend the terms of
this Agreement to be in compliance with Section&nbsp;409A of the Code and the regulations promulgated thereunder. To the maximum extent permissible, any ambiguous terms of this Agreement shall be interpreted in a manner that avoids a violation of
Section&nbsp;409A of the Code. The phrase &#147;termination of the Employee&#146;s employment&#148; and similar phrases in this Agreement shall mean the Employee&#146;s &#147;separation from service&#148; as defined in Section&nbsp;409A of the Code.
The Company does not guarantee the tax treatment or tax consequences associated with any payment or benefit, including but not limited to consequences related to Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) If, after the date of a Change of Control of the Company, any payment amount or the value of any benefit under this Agreement is required
to be included in the Employee&#146;s income prior to the date such amount is actually paid or the benefit provided as a result of the failure of this Agreement (or any other arrangement that is required to be aggregated
</P>
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with this Agreement under Code Section&nbsp;409A) to comply with Code Section&nbsp;409A, then the Employee shall receive a distribution, in a lump sum, within 90 days after the date it is finally
determined that the Agreement (or such other arrangement that is required to be aggregated with this Agreement) fails to meet the requirements of Section&nbsp;409A of the Code; such distribution shall equal the lesser of (i)&nbsp;the amount required
to be included in the Employee&#146;s income as a result of such failure and (ii)&nbsp;the benefits otherwise due hereunder, and shall in any event reduce the amount of payments or benefits otherwise due hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. HEADINGS. The headings herein contained are for reference only and shall not affect the meaning or interpretation of any provision of this
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above written. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">NICHOLAS FINANCIAL, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Katie MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Vice President-Finance, Chief Financial</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Officer and Corporate Secretary</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPLOYEE:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Printed Name: Ralph T. Finkenbrink</TD></TR>
</TABLE></DIV>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, a Change of Control shall be deemed to have occurred upon the earlier of (a)&nbsp;any of the events
constituting a &#147;Change of Control&#148; under the Company&#146;s 2015 Omnibus Incentive Plan, as such term is defined in such Plan as of the date of this Agreement, or (b)&nbsp;a determination by the Board of Directors of the Company, in view
of the then current circumstances or impending events, that a change of control of the Company has occurred or is imminent, which determination shall be made for the specific purpose of triggering the operative provisions of this Agreement. </P>
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<DOCUMENT>
<TYPE>EX-10.9
<SEQUENCE>3
<FILENAME>d208905dex109.htm
<DESCRIPTION>EMPLOYMENT AGREEMENT KEVIN D. BATES
<TEXT>
<HTML><HEAD>
<TITLE>Employment Agreement Kevin D. Bates</TITLE>
</HEAD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><I>Exhibit 10.9 </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EMPLOYMENT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As Amended and Restated </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS AGREEMENT is amended and restated as of the 2<SUP STYLE="font-size:85%; vertical-align:top">nd</SUP> day of July, 2015 (as amended and
restated, this &#147;Agreement&#148;), by NICHOLAS FINANCIAL, INC., a British Columbia, Canada corporation (the &#147;Company&#148;), and KEVIN D. BATES (the &#147;Employee&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">W I T N E S S E T H: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS,
the Company and the Employee entered into an Employment Agreement as of June&nbsp;30, 2014; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company continues to recognize
that circumstances may arise in which a change in control of the Company occurs, through acquisition or otherwise, thereby causing uncertainty about the Employee&#146;s future employment with the Company without regard to the Employee&#146;s
competence or past contributions, which uncertainty may result in the loss of valuable services of the Employee to the detriment of the Company and its shareholders, and the Company and the Employee wish to provide reasonable security to the
Employee against changes in the Employee&#146;s relationship with the Company in the event of any such change in control; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the
Company and the Employee continue to be desirous that any proposal for a change in control or acquisition of the Company will be considered by the Employee objectively and with reference only to the best interests of the Company and its
shareholders; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee will be in a better position to consider the Company&#146;s best interests if the Employee is
afforded reasonable security, as provided in this Agreement, against altered conditions of employment which could result from any such change in control or acquisition; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee desires to continue to be employed by the Company on the terms and conditions hereinafter set forth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants and agreements of the parties contained herein, and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto covenant and agree as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.
EMPLOYMENT AND DUTIES. Subject to the terms and conditions of this Agreement, the Company agrees to employ the Employee, and the Employee hereby agrees to serve the Company, as Senior Vice President &#150; Branch Operations. The Employee shall
report directly to the Company&#146;s President and Chief Executive Officer and shall render to the Company such management and policy-making services of the type customarily performed by persons serving in similar capacities with other employers
that are similar to the Company, together with such other duties with which he is charged by the Company&#146;s Articles or Notice of Articles (or any similar governance instruments) and subject to the overall direction and control of the
Company&#146;s Board of Directors. The Employee accepts such employment and agrees to devote his best efforts </P>

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and substantially all of his business time, skill, labor and attention to the performance of such duties. The Employee agrees not to engage in or be concerned with any other commercial duties or
pursuits during the Term (as hereinafter defined) of this Agreement; provided, however, that the Employee may be involved in a passive capacity in a non-competitive business subject to the prior written approval of the Company&#146;s Board of
Directors. Furthermore, the Employee shall assume and competently perform such reasonable responsibilities and duties as may be assigned to him from time to time by the Chairman of the Board or the President and Chief Executive Officer of the
Company. To the extent that the Company shall have any parent, subsidiary, affiliated corporations, partnerships, or joint venture (collectively &#147;Related Entities&#148;), the Employee shall perform such duties to promote these entities and
their respective interests to the same extent as the interests of the Company without additional compensation. At all times, Employee agrees that he has read and will abide by, and prospectively will read and abide by, any employee handbook, policy,
or practice that the Company or Related Entities has or hereafter adopts with respect to its employees generally. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. TERM. The employment
of the Employee under this Agreement commences on the date hereof and will continue through and including the close of business on the 2nd anniversary of the date hereof (the &#147;Initial Term&#148;), unless earlier terminated pursuant to the terms
of this Agreement. After the end of the Initial Term, this Agreement shall continue to renew automatically on the anniversary of the last day of the Initial Term for successive 1-year terms (the Initial Term, as well as any such renewal(s) thereof,
shall be referred to herein as the &#147;Term&#148;) unless the Company provides to the Employee, at least sixty (60)&nbsp;days prior to the expiration of any renewal Term, written notification that it intends not to renew this Agreement; and,
provided, further, that this Agreement may be terminated in accordance with Section&nbsp;5 hereof (with the exception of the obligations of the parties hereunder that shall survive any such termination). Notwithstanding the foregoing, if a Change of
Control (as defined in Appendix A hereto) occurs prior to the end of the Initial Term or any renewal term, this Agreement shall be extended automatically for a two year renewal period beginning on the date of the Change of Control (a
&#147;Post-Change of Control Renewal Period&#148;). Expiration of this Agreement will not affect the rights or obligations of the parties hereunder arising out of, or relating to, circumstances occurring prior to the expiration of this Agreement,
which rights and obligations will survive the expiration of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. COMPENSATION. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Annual Base Salary and Bonus. As compensation for his services under this Agreement, the Employee shall receive, and the Company shall
pay, an annual base salary of such amount as shall be determined by the Compensation Committee of the Company&#146;s Board of Directors (or other committee performing similar functions), but not less than $250,000 (U.S.). Such annual base salary
shall be payable in equal installments in accordance with the policy then prevailing for the Company&#146;s Employees. Following a Change of Control, the Employee&#146;s annual base salary shall not be decreased and, during the Post-Change of
Control Renewal Period, the Employee&#146;s base salary shall be increased on an annual basis by an amount at least equal to the average base salary increase, expressed as a percentage, provided to executives of the Company of comparable status and
position to the Employee. The Employee also shall be entitled, during the Term, to an annual performance bonus as determined by the Compensation Committee of the Board of Directors (or other committee performing similar functions), and to
participate in and receive payments from all other bonus and other incentive compensation plans </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-2- </P>


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as may be adopted by the Company as are made available to other Employees of the Company. On and after a Change of Control, to assure that the Employee will have an opportunity to earn incentive
compensation, Employee shall be included in a bonus plan of the Company which shall satisfy the standards described below (such plan, the &#147;Bonus Plan&#148;). Bonuses under the Bonus Plan shall be payable with respect to achieving such financial
or other goals reasonably related to the business of the Company as the Company shall establish (the &#147;Goals&#148;), all of which Goals shall be attainable, prior to the end of the Post-Change of Control Renewal Period, with approximately the
same degree of probability as the most attainable goals under the Company&#146;s bonus plan or plans as in effect at any time during the 180-day period immediately prior to the Change of Control (whether one or more, the &#147;Company Bonus
Plan&#148;) and in view of the Company&#146;s existing and projected financial and business circumstances applicable at the time. The amount of the bonus (the &#147;Bonus Amount&#148;) that Employee is eligible to earn under the Bonus Plan shall be
no less than 100% of Employee&#146;s target award provided in such Company Bonus Plan (such bonus amount herein referred to as the &#147;Targeted Bonus&#148;), and in the event the Goals are not achieved such that the entire Targeted Bonus is not
payable, the Bonus Plan shall provide for a payment of a Bonus Amount equal to a portion of the Targeted Bonus reasonably related to that portion of the Goals which were achieved. Payment of the Bonus Amount shall not be affected by any circumstance
occurring subsequent to the end of the Post-Change of Control Renewal Period, including termination of Employee&#146;s employment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b)
Payments. All amounts paid pursuant to this Agreement shall be subject to withholding or deduction by reason of the Federal Insurance Contribution Act, Federal income tax, state and local income tax, if any, and comparable laws and regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Other Benefits. The Employee shall be reimbursed by the Company for all reasonable and customary travel and other business expenses
incurred by him in the performance of his duties hereunder in accordance with the Company&#146;s standard policy regarding expense verification practices. The Employee shall be entitled to that number of weeks paid vacation per year that is
available to other Employees of the Company, and shall be eligible to participate in such pension, life insurance, health insurance, disability insurance and other employee benefits plans, if any, which the Company may from time to time make
available to its Employees generally. On and after a Change of Control, the Employee shall be included: (i)&nbsp;to the extent eligible thereunder (which eligibility shall not be conditioned on Employee&#146;s salary grade or on any other
requirement which excludes persons of comparable status to Employee unless such exclusion was in effect for such plan or an equivalent plan immediately prior to the Change of Control), in any and all plans providing benefits for the Company&#146;s
salaried employees in general (including but not limited to group life insurance, hospitalization, medical, dental, and long-term disability plans) and (ii)&nbsp;in plans provided to executives of the Company of comparable status and position to
Employee (including but not limited to deferred compensation, split-dollar life insurance, supplemental retirement, stock option, stock appreciation, stock bonus, cash bonus and similar or comparable plans); provided that in no event shall the
aggregate level of benefits under the plans described in clause (i)&nbsp;and the plans described in clause (ii), respectively, in which Employee is included be less than the aggregate level of benefits under plans of the Company of the type referred
to in such clause, respectively, in which Employee was participating immediately prior to the Change of Control. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. NONCOMPETITION AND NON-DISCLOSURE REQUIREMENTS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Employee acknowledges that his services are of a special, unique, extraordinary and intellectual character, and his position with the
Company places him in a position of confidence and trust with customers, suppliers and employees of the Company and other Related Entities. The Employee further acknowledges that the rendering of services under this Agreement necessarily requires
the disclosure to him of confidential information (as defined below) of the Company and/or Related Entities. The Employee and the Company agree that both prior to and during his course of employment with the Company, the Employee had, has and will
continue to develop personal relationships with the Company&#146;s financiers, customers, suppliers and employees, and that the Employee holds a position of substantial trust and confidence. As a consequence, the Employee agrees that it is
reasonable and necessary for the protection of goodwill and legitimate business interests of the Company and Related Entities that the Employee make the covenants contained herein, that the covenants are a material inducement for the Company to
employ the Employee and to enter into this Agreement, and that the covenants are given as an integral part of and incident to this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Employee covenants and agrees that during his employment by the Company (whether during the Term hereof or otherwise), and thereafter
for a period of two (2)&nbsp;years following the termination of the Employee&#146;s employment with the Company, he will not: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) directly or indirectly engage in, continue in or carry on the business of the Company or any Related Entity, or any
business substantially similar thereto, including owning or controlling any financial interest in, any corporation, partnership, firm or other form of business organization which competes with or is engaged in or carries on any aspect of such
business or any business substantially similar thereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) directly or indirectly, assist, promote or encourage any
employees or clients, or potential employees or clients, of the Company or Related Entities to terminate or discontinue their relationship in order to pursue opportunities or employment with any competitor of the Company or Related Entities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) consult with, advise or assist in any way, whether or not for consideration, any corporation, partnership, firm or other
business organization which is now, becomes or may become a competitor of the Company or any Related Entity in any aspect of their respective businesses during the Employee&#146;s employment with the Company, including, but not limited to:
advertising or otherwise endorsing the products of any such competitor; soliciting customers or otherwise serving as an intermediary for any such competitor; or loaning money or rendering any other form of financial assistance to or engaging in any
form of business transaction whether or not on an arms&#146; length basis with any such competitor; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) engage in any
practice the purpose of which is to evade the provisions of this Agreement or to commit any act which is detrimental to the successful continuation of, or which adversely affects, the business or the Company;
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">
provided, however, that the foregoing shall not preclude the Employee&#146;s ownership of not more than 5% of the equity securities of a corporation which has such securities registered under
Section&nbsp;12 of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) The Employee acknowledges that the
inventions, innovations, software, trade secrets, business plans, financial strategies, finances, and all other confidential or proprietary information with respect to the business and operations of the Company and Related Entities are valuable,
special and unique assets of the Company. The Employee agrees not to, at any time during or after the Term of this Agreement, disclose, directly or indirectly, to any person or entity, or use or authorize or propose to authorize any person or entity
to use any confidential or proprietary information with respect to the Company or Related Entities without the prior written consent of the Company including, without limitation, information as to the financial condition, results of operations,
identities of clients or prospective clients, products under development, acquisition strategies or acquisitions under consideration, pricing or cost information, marketing strategies or any other information relating to the Company or any of the
Related Entities which could be reasonably regarded as confidential. However, this does not include information which is or shall become generally available to the public other than as a result of disclosure by the Company or Related Entities or any
of their agents, affiliates or representatives or a person to whom any of them has provided such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) The Employee agrees
that the geographic scope of this covenant not to compete shall extend to (i)&nbsp;the states of Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas and
Virginia, which constitute the geographic area in which the Company has operated its business at some time during the two years preceding the date of this Agreement; or (ii)&nbsp;such broader geographic area where the Company conducts business at
any time during the Term of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) In the event of any breach of this covenant not to compete, the Employee recognizes that
the remedies at law will be inadequate and that in addition to any relief at law which may be available to the Company for such violation or breach and regardless of any other provision contained in this Agreement, the Company shall be entitled to
equitable remedies (including an injunction) and such other relief as a court may grant after considering the intent of this Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) In the event a court of competent jurisdiction determines that the provisions of this covenant not to compete are excessively broad as to
duration, geographic scope, prohibited activities or otherwise, the parties agree that this covenant shall be reduced or curtailed to the extent necessary to render it enforceable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. TERMINATION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Death. The
Employee&#146;s employment hereunder shall terminate upon his death. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Disability. If, during the Term, the Employee becomes physically or mentally disabled in
accordance with the terms and conditions of any disability insurance policy covering the Employee or, if due to such physical or mental disability, the Employee becomes unable for a period of more than one hundred eighty (180)&nbsp;consecutive days
to perform his duties hereunder on substantially a full-time basis as determined by the Company in its sole reasonable discretion, the Company may, at its option, terminate the Employee&#146;s employment hereunder upon not less than thirty
(30)&nbsp;days&#146; written notice of termination. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Cause. The Company may terminate this Agreement at any time with Cause. As used
in this Agreement, &#147;Cause&#148; shall mean the following: (1)&nbsp;a material violation of the Company&#146;s policies or practices which reasonably justifies termination; (2)&nbsp;conviction of a felony, as evidenced by a binding and final
judgment, order or decree of a court of competent jurisdiction; (3)&nbsp;the commission by the Employee of any act which would reasonably be expected to materially injure the reputation, business, or business relationships of the Company or Related
Entities; or (4)&nbsp;any material breach by Employee of this Agreement. The Company may terminate this Agreement with Cause as defined in clauses (1)&nbsp;and (4)&nbsp;above upon fifteen (15)&nbsp;business days&#146; prior written notice (the
&#147;Cause Notification Period&#148;) to Employee, but such termination shall only become effective in the event of Employee&#146;s failure to cure the applicable breach or violation, to the reasonable satisfaction of Company, prior to the end of
the Cause Notification Period. The Company may terminate this Agreement without notice at any time with Cause as defined in clause (2)&nbsp;or (3)&nbsp;above. Notwithstanding anything in the foregoing to the contrary, upon and after a Change of
Control, the Company may terminate this Agreement with Cause only as defined in clause (2)&nbsp;or (4)&nbsp;above. In the event of a termination with Cause, the Company shall be relieved of all its obligations to the Employee provided for by this
Agreement, and all payments to the Employees hereunder shall immediately cease and terminate. For the avoidance of doubt, the Company also may terminate the Employee&#146;s employment hereunder at any time without Cause by written notice; provided,
however, that the Company shall owe the Employee the Severance Payment (as defined below) following a termination of the Employee&#146;s employment by the Company other than for Cause. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) Involuntary Termination by Employee. The Employee may terminate his employment hereunder upon (i)&nbsp;a good faith determination by the
Employee that there has been a material breach of the Agreement by the Company, (ii)&nbsp;a material adverse change in the Employee&#146;s working conditions or status, (iii)&nbsp;a significant relocation of the Employee&#146;s principal office, or
(iv)&nbsp;upon or within the two-year period following a Change of Control, a good faith determination by the Employee that there has been any of the following: a breach of the Agreement by the Company, any adverse change in the Employee&#146;s
working conditions, status, authority, duties, responsibilities (including but not limited to a requirement that the Employee report to a corporate officer instead of reporting directly to the board of directors) or any requirement that the Employee
relocate his principal office to a location that is more than ten (10)&nbsp;miles from the location of the Employee&#146;s principal office immediately prior to the Change of Control (any one of the preceding constituting &#147;Good Reason&#148;),
by delivering written notice of termination to the Company indicating in reasonable detail the facts and circumstances alleged to provide a basis for such termination and shall cease performing the Employee&#146;s duties hereunder on the date which
is ten (10)&nbsp;days after delivery of the notice, which date shall also be the date of termination of the Employee&#146;s employment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) Voluntary Termination by Employee. The Employee agrees to provide the Company with at least
twenty (20)&nbsp;business days&#146; (&#147;Termination Notice Period&#148;) prior written notice of his intent to terminate employment voluntarily. Failure to provide such notice terminates the Employee&#146;s entitlement to payment of accrued,
unused benefits, such as vacation. However, the Company reserves the right to terminate the Employee before the end of the Termination Notice Period, provided that the Company pays the Employee the salary that he would have received from the date of
the last payroll payment to the end of the Termination Notice Period. Such salary shall be paid in accordance with the Company&#146;s normal payroll procedures applicable to base salary. During the Termination Notice Period, the Employee agrees to
make a good faith effort to perform the duties described hereunder. If, during the Term, the Employee voluntarily terminates his employment with the Company, the Company&#146;s obligations, including payment obligations, under this Agreement shall
cease, except that the Company shall pay the Employee the amount of base salary that he would have received from the date of the last payroll payment to the end of the Termination Notice Period in accordance with the Company&#146;s normal payroll
procedures applicable to base salary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) Severance Payment and Post-Change of Control Benefits. In the event of a termination of the
Employee&#146;s employment (i)&nbsp;by the Company other than for Cause or (ii)&nbsp;by the Employee in a manner which satisfies Section&nbsp;5(d): </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Company shall pay the Employee (subject to the provisions of Section&nbsp;6 of this Agreement) a one-time, lump-sum
severance payment equal to TWO (2)&nbsp;times the sum of (A)&nbsp;the Employee&#146;s annual base salary in effect at the time of such termination and (B)&nbsp;the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years
immediately preceding such termination (&#147;Severance Payment&#148;). Notwithstanding the foregoing, if such termination of the Employee&#146;s employment occurs during a Post-Change of Control Renewal Period, the Severance Payment shall be
calculated using the Employee&#146;s annual base salary in effect at any time during the period of 180 days prior to the date on which the Change of Control occurred in clause (A), if higher than the annual base salary in effect at the time of such
termination, and the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years immediately preceding the Change of Control in clause (B), if higher than the average annual bonus for the TWO (2)&nbsp;full calendar years
immediately preceding such termination. The Severance Payment shall be paid to the Employee in cash equivalent on the date that is sixty (60)&nbsp;days after the date of termination of the Employee&#146;s employment; provided that, to the extent
required to comply with Section&nbsp;409A of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), all or a portion of the Severance Payment shall be delayed until the first day of the seventh (7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP>)&nbsp;month following the month in which the termination of the Employee&#146;s employment occurs, without interest thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) If such termination of employment occurs during a Post-Change of Control Renewal Period, then the Employee will also
receive the following benefits: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)(1) all restrictions on any restricted stock or restricted stock unit awards made to
Employee by the Company or its affiliates on or after the Change of Control shall lapse such that Employee is </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
fully and immediately vested in such awards upon such termination of employment; (2)&nbsp;any stock options or stock appreciation rights granted to Employee pursuant to the Company&#146;s or its
affiliate&#146;s equity-based incentive plan(s) on or after the Change of Control shall become fully and immediately vested upon such termination of employment; and (3)&nbsp;any performance shares, performance units or similar performance-based
equity awards granted to Employee pursuant to the Company&#146;s or its affiliate&#146;s equity-based incentive plan(s) on or after the Change of Control shall be deemed earned on a pro rated basis according to the portion of the performance period
that has elapsed through the date of the termination of employment as if all performance requirements had been satisfied at the target level (or such higher level as would have been achieved if performance through the date of the termination of
employment had continued through the end of the performance period). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Until the earlier of eighteen (18)&nbsp;months
after the date of Employee&#146;s termination of employment or such time as Employee has obtained new employment and is covered by benefits which in the aggregate are at least equal in value to the following benefits, Employee shall continue to be
covered, at the expense of the Company, by the same or equivalent life insurance, hospitalization, medical, dental and vision coverage as Employee received (or, if higher, as was required hereunder) immediately prior to Employee&#146;s termination
of employment, subject to the following: After the end of the COBRA continuation period, if such hospitalization, medical or dental coverage is provided under a health plan that is subject to Section&nbsp;105(h) of the Code, benefits payable under
such health plan shall comply with the requirements of Treasury regulation section 1.409A-3(i)(1)(iv) and, if necessary, the Company shall amend such health plan to comply therewith; and if provision of any such health benefits would subject the
Company or its benefits arrangements to a penalty or adverse tax treatment, then the Company shall provide a cash payment to Employee in an amount reasonably determined by the Company to be equivalent to the COBRA premiums for similar benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Employee shall receive until the end of the second calendar year following the calendar year in which the
Employee&#146;s termination of employment occurs, at the expense of the Company, outplacement services, on an individualized basis at a level of service commensurate with the Employee&#146;s status with the Company immediately prior to the date of
the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment), provided by a nationally recognized executive placement firm selected by the Company; provided that the cost to the Company of such services
shall not exceed 10% of the Employee&#146;s annual base salary immediately prior to the date of the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Company shall bear up to $15,000 in the aggregate of fees and expenses
of consultants and/or legal or accounting advisors engaged by the Employee to advise the Employee as to matters relating to the computation of benefits due and payable under this Section&nbsp;5. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary in this Agreement, if a Change of Control occurs and the Employee&#146;s employment with the Company
is terminated (other than a termination due to Employee&#146;s death or as a result of Disability) during the period of 180 days prior to the date on which the Change of Control occurs, and if it is reasonably demonstrated by Employee that such
termination of employment (i)&nbsp;was at the request of a third party who has taken steps reasonably calculated to effect a Change of Control or (ii)&nbsp;otherwise arose in connection with or in anticipation of a Change of Control, then for all
purposes of this Agreement such termination of employment shall be deemed a termination following such Change of Control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(g) Benefits.
The following shall apply upon termination of the Employee&#146;s employment: Notwithstanding anything to the contrary herein contained, the Employee shall receive all compensation and other benefits to which he was entitled under this Agreement or
otherwise as an employee of the Company through the termination date, including payments of base salary accrued hereunder through the calendar month in which such termination occurs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. TAX PROVISIONS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a)
Limitation on Parachute Payments. Notwithstanding any other provision of this Agreement, if any portion of the Severance Payment or any other payment under this Agreement, or payments to or for the benefit of the Employee under any other agreement
or plan (collectively, the &#147;Change of Control Benefits&#148;), would constitute an &#147;excess parachute payment,&#148; then the Change of Control Benefits to be made to the Employee shall be reduced such that the value of the aggregate Change
of Control Benefits that the Employee is entitled to receive shall be One Dollar ($1) less than the maximum amount which the Employee may receive without becoming subject to the tax imposed by Section&nbsp;4999 of the Code (or any successor
provision) or which the Company may pay without loss of deduction under Section&nbsp;280G(a) of the Code (or any successor provision); provided that the foregoing reduction in the amount of Change of Control Benefits shall not apply if the after-tax
value to the Employee of the Change of Control Benefits prior to reduction in accordance herewith is greater than the after-tax value to the Employee if the Change of Control Benefits are reduced in accordance herewith. For purposes of this
Agreement, the terms &#147;excess parachute payment&#148; and &#147;parachute payments&#148; shall have the meanings assigned to them in Code Section&nbsp;280G, and such &#147;parachute payments&#148; shall be valued as provided therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Opinion. For purposes of this Section, within thirty (30)&nbsp;days after notice by one party to the other of its belief that there is a
payment or benefit due the Employee that </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
will result in an excess parachute payment as defined in Section&nbsp;280G of the Code or any successor provision thereto, the Employee and the Company shall obtain, at the Company&#146;s
expense, the opinion (which need not be unqualified) of nationally recognized tax counsel (&#147;Tax Counsel&#148;) selected by the Company&#146;s independent auditors and acceptable to the Employee, which sets forth (A)&nbsp;the &#147;base
amount&#148; within the meaning of Section&nbsp;280G; (B)&nbsp;the aggregate present value of the payments in the nature of compensation to the Employee as prescribed in Section&nbsp;280G(b)(2)(A) (ii); (C)&nbsp;the amount and present value of any
&#147;excess parachute payment&#148; within the meaning of Section&nbsp;280G(b)(1) without regard to the limitations of this Section&nbsp;6; (D)&nbsp;the after-tax value of the Change of Control Benefits if the reduction in Change of Control
Benefits contemplated under this Section&nbsp;6 did not apply; and (E)&nbsp;the after-tax value of the Change of Control Benefits taking into account the reduction in Change of Control Benefits contemplated under this Section&nbsp;6. For purposes of
determining the after-tax value of the Change of Control Benefits, the Employee shall be deemed to pay federal income taxes and employment taxes at the highest marginal rate of federal income and employment taxation in the calendar year in which the
payment is to be made and state and local income taxes at the highest marginal rates of taxation in the state and locality of the Employee&#146;s domicile for income tax purposes on the date the payment is to be made, net of the maximum reduction in
federal income taxes that may be obtained from deduction of such state and local taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that a reduction is to be made under
this Section&nbsp;6, the Change of Control Benefits shall be reduced or eliminated by applying the following principles, in order: (i)&nbsp;the payment or benefit with the higher ratio of the parachute payment value to present economic value
(determined using reasonable actuarial assumptions) shall be reduced or eliminated before a payment or benefit with a lower ratio; (ii)&nbsp;the payment or benefit with the later possible payment date shall be reduced or eliminated before a payment
or benefit with an earlier payment date; and (iii)&nbsp;cash payments shall be reduced prior to non-cash benefits; provided, however, that if the foregoing order of reduction or elimination would violate Section&nbsp;409A of the Code, then the
reduction shall be made pro rata among the payments or benefits included in the Change of Control Benefits (on the basis of the relative present value of the parachute payments). For purposes of this Agreement, the value of any noncash benefits or
any deferred payment or benefit, and all present economic values, shall be determined by the Company&#146;s independent auditors in accordance with the principles of Sections 280G, which determination shall be evidenced in a certificate of such
auditors addressed to the Company and the Employee. Such opinion shall be dated as of the date of termination of the Employee&#146;s employment and addressed to the Company and the Employee and shall be binding upon the Company and the Employee.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;6(b), including the calculations, notices and opinions provided for herein shall be based upon the
conclusive presumption that the compensation earned by the Employee pursuant to the Company&#146;s compensation programs prior to a change of control is reasonable; provided, however, that in the event such Tax Counsel so requests in connection with
the opinion required by this Section&nbsp;6(b), the Company shall obtain at its expense, and Tax Counsel may rely on in providing the opinion, the advice of a firm of recognized Employee compensation consultants as to the reasonableness of any item
of compensation to be received by the Employee. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Effect of Change in Law. In the event that the provisions of Sections 280G and 4999 of the
Code (or any successor provisions) are repealed, this Section&nbsp;6 shall cease to be effective on the effective date of such repeal. The parties to this Agreement recognize that final regulations promulgated under Section&nbsp;280G of the Code may
affect the amounts that may be paid under this Agreement and agree that, upon issuance of such final regulations, this Agreement may be modified as the parties hereto may in good faith deem necessary in light of the provisions of such regulations to
achieve the purposes of this Agreement, and that consent to such modification shall not be unreasonably withheld. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. SUCCESSORS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) If the Company sells, assigns or transfers all or substantially all of its business and assets to any Person (as defined in Appendix A
hereto) or if the Company merges into or consolidates or otherwise combines (where the Company does not survive such combination) with any Person (any such event, a &#147;Sale of Business&#148;), then the Company shall assign all of its right, title
and interest in this Agreement as of the date of such event to such Person, and the Company shall cause such Person, by written agreement in form and substance reasonably satisfactory to the Employee, to expressly assume and agree to perform from
and after the date of such assignment all of the terms, conditions and provisions imposed by this Agreement upon the Company. Failure of the Company to obtain such agreement prior to the effective date of such Sale of Business shall be a material
breach of this Agreement. In case of such assignment by the Company and of assumption and agreement by such Person, as used in this Agreement, &#147;Company&#148; shall thereafter mean such Person which executes and delivers the agreement provided
for in this Section&nbsp;7 or which otherwise becomes bound by all the terms and provisions of this Agreement by operation of law, and this Agreement shall inure to the benefit of, and be enforceable by, such Person. The Employee shall, in the
Employee&#146;s discretion, be entitled to proceed against any or all of such Persons, any Person which theretofore was such a successor to the Company (as defined in the first paragraph of this Agreement) and the Company (as so defined) in any
action to enforce any rights of the Employee hereunder. Except as provided in this Subsection, this Agreement shall not be assignable by the Company. This Agreement shall not be terminated by the voluntary or involuntary dissolution of the Company.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) This Agreement and all rights of the Employee shall inure to the benefit of and be enforceable by the Employee&#146;s personal or
legal representatives, executors, administrators, heirs and beneficiaries. All amounts payable to the Employee under Sections&nbsp;3, 5, and 7 of this Agreement if the Employee had lived shall be paid, in the event of the Employee&#146;s death, to
the Employee&#146;s estate, heirs and representatives; provided, however, that the foregoing shall not be construed to modify any terms of any benefit plan of the Company, as such terms are in effect on the date of the Employee&#146;s death, that
expressly govern benefits under such plan in the event of the Employee&#146;s death. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. SEVERABILITY. The provisions of this Agreement
shall be regarded as divisible, and the parties agree that if any of said provisions or any part hereof shall under any circumstances be deemed or declared invalid, inoperative or unenforceable, then the validity and enforceability of the remainder
of such provisions or parts hereof and the applicability thereof shall not be affected thereby. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. AMENDMENT. This Agreement (as hereby amended and restated) may not be further amended or
modified at any time except by written instrument executed by the Company and the Employee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. WITHHOLDING. The Company shall be
entitled to withhold from amounts to be paid to the Employee hereunder any federal, state or local withholding or other taxes or charges which it is from time to time required to withhold; provided, that the amount so withheld shall not exceed the
minimum amount required to be withheld by law (unless the Employee has otherwise indicated in writing). The Company shall be entitled to rely on an opinion of nationally recognized tax counsel if any question as to the amount or requirement of any
such withholding shall arise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. NOTICE. For purposes of this Agreement, notices and all other communications provided for herein shall
be in writing and shall be deemed to have been duly given when actually received, whether hand-delivered, sent by telecopier, facsimile transmission or other electronic means of transmitting written documents (as long as receipt is acknowledged) or
mailed by United States certified or registered mail, return receipt requested, postage prepaid, addressed as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the
Employee, to the Employee at the Employee&#146;s address then reflected in the records of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Company, to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">2454 McMullen Booth Road </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Building C </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Clearwater, Florida 33759 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attn: President </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">or to such other address as either party may have furnished to the other in writing in accordance herewith, except that a notice of change of
address shall be effective only upon receipt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. NO WAIVER; ENTIRE AGREEMENT. No waiver by any party hereto of any breach of this
Agreement by any other party hereto shall be deemed a waiver of any similar or dissimilar term or condition at the same or at any prior or subsequent time. This Agreement and any equity award agreements between the Company and the Employee
constitute the entire agreement between the parties hereto with respect to the Employee&#146;s employment by the Company and there are no agreements or representations, oral or otherwise, expressed or implied, with respect to or related to the
employment of the Employee which are not set forth in this Agreement or such equity award agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. NO ASSIGNMENT. Except as
expressly set forth herein, no party shall assign any of his or its rights under this Agreement without the prior written consent of the other party and any attempted assignment without such prior written consent shall be null and void and without
legal effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. COUNTERPARTS; FACSIMILE SIGNATURES. This Agreement may be executed in one or more counterparts, each of which shall be
deemed an original, but all of which together shall constitute one and the same instrument. This Agreement may be effective upon the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>


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execution and delivery by any party hereto of facsimile copies of signature pages hereto duly executed by such party; provided, however, that any party delivering a facsimile signature page
covenants and agrees to deliver promptly after the date hereof two (2)&nbsp;original copies to the other party hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. GOVERNING LAW.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State of
Florida, except that Section&nbsp;15(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee as the method of dispute resolution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Any dispute arising out of this Agreement shall, at the Employee&#146;s election, be determined by either (i)&nbsp;arbitration under the
rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which both parties shall be bound by the arbitration award, or (ii)&nbsp;by litigation. Whether the dispute is to
be settled by arbitration or litigation, the venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected venue having subject matter jurisdiction notwithstanding
their residence or situs, and each party irrevocably consents to service of process in the manner provided hereunder for the giving of notices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. CERTAIN RULES OF CONSTRUCTION; CODE SECTION 409A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) No party shall be considered as being responsible for the drafting of this Agreement for the purpose of applying any rule construing
ambiguities against the drafter or otherwise. No draft of this Agreement shall be taken into account in construing this Agreement. Any provision of this Agreement which requires an agreement in writing shall be deemed to require that the writing in
question be signed by the Employee and an authorized representative of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Company and the Employee intend the terms of
this Agreement to be in compliance with Section&nbsp;409A of the Code and the regulations promulgated thereunder. To the maximum extent permissible, any ambiguous terms of this Agreement shall be interpreted in a manner that avoids a violation of
Section&nbsp;409A of the Code. The phrase &#147;termination of the Employee&#146;s employment&#148; and similar phrases in this Agreement shall mean the Employee&#146;s &#147;separation from service&#148; as defined in Section&nbsp;409A of the Code.
The Company does not guarantee the tax treatment or tax consequences associated with any payment or benefit, including but not limited to consequences related to Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) If, after the date of a Change of Control of the Company, any payment amount or the value of any benefit under this Agreement is required
to be included in the Employee&#146;s income prior to the date such amount is actually paid or the benefit provided as a result of the failure of this Agreement (or any other arrangement that is required to be aggregated with this Agreement under
Code Section&nbsp;409A) to comply with Code Section&nbsp;409A, then the Employee shall receive a distribution, in a lump sum, within 90 days after the date it is finally determined that the Agreement (or such other arrangement that is required to be
aggregated with </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-13- </P>


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this Agreement) fails to meet the requirements of Section&nbsp;409A of the Code; such distribution shall equal the lesser of (i)&nbsp;the amount required to be included in the Employee&#146;s
income as a result of such failure and (ii)&nbsp;the benefits otherwise due hereunder, and shall in any event reduce the amount of payments or benefits otherwise due hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. HEADINGS. The headings herein contained are for reference only and shall not affect the meaning or interpretation of any provision of this
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above written. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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<TD WIDTH="6%"></TD>
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<TD WIDTH="92%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">NICHOLAS FINANCIAL, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">President and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD></TD>
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<TD WIDTH="99%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">EMPLOYEE:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Kevin Bates</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Printed Name: Kevin D. Bates</TD></TR>
</TABLE></DIV>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, a Change of Control shall be deemed to have occurred upon the earlier of (a)&nbsp;any of the events
constituting a &#147;Change of Control&#148; under the Company&#146;s 2015 Omnibus Incentive Plan, as such term is defined in such Plan as of the date of this Agreement, or (b)&nbsp;a determination by the Board of Directors of the Company, in view
of the then current circumstances or impending events, that a change of control of the Company has occurred or is imminent, which determination shall be made for the specific purpose of triggering the operative provisions of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.10
<SEQUENCE>4
<FILENAME>d208905dex1010.htm
<DESCRIPTION>EMPLOYMENT AGREEMENT KATIE L. MACGILLIVARY
<TEXT>
<HTML><HEAD>
<TITLE>Employment Agreement Katie L. MacGillivary</TITLE>
</HEAD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><I>Exhibit 10.10 </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EMPLOYMENT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">THIS AGREEMENT is dated as of the 2<SUP STYLE="font-size:85%; vertical-align:top">nd</SUP> day of July, 2015 (this &#147;Agreement&#148;), by
NICHOLAS FINANCIAL, INC., a British Columbia, Canada corporation (the &#147;Company&#148;), and KATIE L. MACGILLIVARY (the &#147;Employee&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">W I T N E S S E T H: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS,
the Company recognizes that circumstances may arise in which a change in control of the Company occurs, through acquisition or otherwise, thereby causing uncertainty about the Employee&#146;s future employment with the Company without regard to the
Employee&#146;s competence or past contributions, which uncertainty may result in the loss of valuable services of the Employee to the detriment of the Company and its shareholders, and the Company and the Employee wish to provide reasonable
security to the Employee against changes in the Employee&#146;s relationship with the Company in the event of any such change in control; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company and the Employee desire that any proposal for a change in control or acquisition of the Company will be considered by the
Employee objectively and with reference only to the best interests of the Company and its shareholders; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee will be in
a better position to consider the Company&#146;s best interests if the Employee is afforded reasonable security, as provided in this Agreement, against altered conditions of employment which could result from any such change in control or
acquisition; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Employee desires to continue to be employed by the Company on the terms and conditions hereinafter set
forth. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants and agreements of the parties contained herein, and other good and
valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto covenant and agree as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.
EMPLOYMENT AND DUTIES. Subject to the terms and conditions of this Agreement, the Company agrees to employ the Employee, and the Employee hereby agrees to serve the Company, as Vice President-Finance, Chief Financial Officer. The Employee shall
report directly to the Company&#146;s President and Chief Executive Officer and shall render to the Company such management and policy-making services of the type customarily performed by persons serving in similar capacities with other employers
that are similar to the Company, together with such other duties with which she is charged by the Company&#146;s Articles or Notice of Articles (or any similar governance instruments) and subject to the overall direction and control of the
Company&#146;s Board of Directors. The Employee accepts such employment and agrees to devote her best efforts and substantially all of her business time, skill, labor and attention to the performance of such duties. The Employee agrees not to engage
in or be concerned with any other commercial duties or pursuits during the Term (as hereinafter defined) of this Agreement; provided, however, that the Employee may be involved in a passive capacity in a non-competitive business subject to the prior
written approval of the Company&#146;s Board of Directors. Furthermore, the Employee shall assume and competently perform such reasonable responsibilities and duties as may be assigned to </P>

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her from time to time by the Chairman of the Board or the President and Chief Executive Officer of the Company. To the extent that the Company shall have any parent, subsidiary, affiliated
corporations, partnerships, or joint venture (collectively &#147;Related Entities&#148;), the Employee shall perform such duties to promote these entities and their respective interests to the same extent as the interests of the Company without
additional compensation. At all times, Employee agrees that she has read and will abide by, and prospectively will read and abide by, any employee handbook, policy, or practice that the Company or Related Entities has or hereafter adopts with
respect to its employees generally. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. TERM. The employment of the Employee under this Agreement commences on the date hereof and will
continue through and including the close of business on the 2nd anniversary of the date hereof (the &#147;Initial Term&#148;), unless earlier terminated pursuant to the terms of this Agreement. After the end of the Initial Term, this Agreement shall
continue to renew automatically on the anniversary of the last day of the Initial Term for successive 1-year terms (the Initial Term, as well as any such renewal(s) thereof, shall be referred to herein as the &#147;Term&#148;) unless the Company
provides to the Employee, at least sixty (60)&nbsp;days prior to the expiration of any renewal Term, written notification that it intends not to renew this Agreement; and, provided, further, that this Agreement may be terminated in accordance with
Section&nbsp;5 hereof (with the exception of the obligations of the parties hereunder that shall survive any such termination). Notwithstanding the foregoing, if a Change of Control (as defined in Appendix A hereto) occurs prior to the end of the
Initial Term or any renewal term, this Agreement shall be extended automatically for a two year renewal period beginning on the date of the Change of Control (a &#147;Post-Change of Control Renewal Period&#148;). Expiration of this Agreement will
not affect the rights or obligations of the parties hereunder arising out of, or relating to, circumstances occurring prior to the expiration of this Agreement, which rights and obligations will survive the expiration of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. COMPENSATION. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Annual
Base Salary and Bonus. As compensation for her services under this Agreement, the Employee shall receive, and the Company shall pay, an annual base salary of such amount as shall be determined by the Compensation Committee of the Company&#146;s
Board of Directors (or other committee performing similar functions), but not less than $175,000 (U.S.). Such annual base salary shall be payable in equal installments in accordance with the policy then prevailing for the Company&#146;s Employees.
Following a Change of Control, the Employee&#146;s annual base salary shall not be decreased and, during the Post-Change of Control Renewal Period, the Employee&#146;s base salary shall be increased on an annual basis by an amount at least equal to
the average base salary increase, expressed as a percentage, provided to executives of the Company of comparable status and position to the Employee. The Employee also shall be entitled, during the Term, to an annual performance bonus as determined
by the Compensation Committee of the Board of Directors (or other committee performing similar functions), and to participate in and receive payments from all other bonus and other incentive compensation plans as may be adopted by the Company as are
made available to other Employees of the Company. On and after a Change of Control, to assure that the Employee will have an opportunity to earn incentive compensation, Employee shall be included in a bonus plan of the Company which shall satisfy
the standards described below (such plan, the &#147;Bonus Plan&#148;). Bonuses under the Bonus Plan shall be payable with respect to achieving such financial or other goals reasonably related to the business of the Company as the Company shall
establish (the &#147;Goals&#148;), all of which Goals </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-2- </P>


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shall be attainable, prior to the end of the Post-Change of Control Renewal Period, with approximately the same degree of probability as the most attainable goals under the Company&#146;s bonus
plan or plans as in effect at any time during the 180-day period immediately prior to the Change of Control (whether one or more, the &#147;Company Bonus Plan&#148;) and in view of the Company&#146;s existing and projected financial and business
circumstances applicable at the time. The amount of the bonus (the &#147;Bonus Amount&#148;) that Employee is eligible to earn under the Bonus Plan shall be no less than 100% of Employee&#146;s target award provided in such Company Bonus Plan (such
bonus amount herein referred to as the &#147;Targeted Bonus&#148;), and in the event the Goals are not achieved such that the entire Targeted Bonus is not payable, the Bonus Plan shall provide for a payment of a Bonus Amount equal to a portion of
the Targeted Bonus reasonably related to that portion of the Goals which were achieved. Payment of the Bonus Amount shall not be affected by any circumstance occurring subsequent to the end of the Post-Change of Control Renewal Period, including
termination of Employee&#146;s employment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Payments. All amounts paid pursuant to this Agreement shall be subject to withholding or
deduction by reason of the Federal Insurance Contribution Act, Federal income tax, state and local income tax, if any, and comparable laws and regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Other Benefits. The Employee shall be reimbursed by the Company for all reasonable and customary travel and other business expenses
incurred by her in the performance of her duties hereunder in accordance with the Company&#146;s standard policy regarding expense verification practices. The Employee shall be entitled to that number of weeks paid vacation per year that is
available to other Employees of the Company, and shall be eligible to participate in such pension, life insurance, health insurance, disability insurance and other employee benefits plans, if any, which the Company may from time to time make
available to its Employees generally. On and after a Change of Control, the Employee shall be included: (i)&nbsp;to the extent eligible thereunder (which eligibility shall not be conditioned on Employee&#146;s salary grade or on any other
requirement which excludes persons of comparable status to Employee unless such exclusion was in effect for such plan or an equivalent plan immediately prior to the Change of Control), in any and all plans providing benefits for the Company&#146;s
salaried employees in general (including but not limited to group life insurance, hospitalization, medical, dental, and long-term disability plans) and (ii)&nbsp;in plans provided to executives of the Company of comparable status and position to
Employee (including but not limited to deferred compensation, split-dollar life insurance, supplemental retirement, stock option, stock appreciation, stock bonus, cash bonus and similar or comparable plans); provided that in no event shall the
aggregate level of benefits under the plans described in clause (i)&nbsp;and the plans described in clause (ii), respectively, in which Employee is included be less than the aggregate level of benefits under plans of the Company of the type referred
to in such clause, respectively, in which Employee was participating immediately prior to the Change of Control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. NONCOMPETITION AND
NON-DISCLOSURE REQUIREMENTS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Employee acknowledges that her services are of a special, unique, extraordinary and intellectual
character, and her position with the Company places her in a position of confidence and trust with customers, suppliers and employees of the Company and other Related Entities. The Employee further acknowledges that the rendering of services under
this Agreement necessarily requires the disclosure to her of confidential information (as defined </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>


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below) of the Company and/or Related Entities. The Employee and the Company agree that both prior to and during her course of employment with the Company, the Employee had, has and will continue
to develop personal relationships with the Company&#146;s financiers, customers, suppliers and employees, and that the Employee holds a position of substantial trust and confidence. As a consequence, the Employee agrees that it is reasonable and
necessary for the protection of goodwill and legitimate business interests of the Company and Related Entities that the Employee make the covenants contained herein, that the covenants are a material inducement for the Company to employ the Employee
and to enter into this Agreement, and that the covenants are given as an integral part of and incident to this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The
Employee covenants and agrees that during her employment by the Company (whether during the Term hereof or otherwise), and thereafter for a period of two (2)&nbsp;years following the termination of the Employee&#146;s employment with the Company,
she will not: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) directly or indirectly engage in, continue in or carry on the business of the Company or any Related
Entity, or any business substantially similar thereto, including owning or controlling any financial interest in, any corporation, partnership, firm or other form of business organization which competes with or is engaged in or carries on any aspect
of such business or any business substantially similar thereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) directly or indirectly, assist, promote or encourage
any employees or clients, or potential employees or clients, of the Company or Related Entities to terminate or discontinue their relationship in order to pursue opportunities or employment with any competitor of the Company or Related Entities;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) consult with, advise or assist in any way, whether or not for consideration, any corporation, partnership, firm or
other business organization which is now, becomes or may become a competitor of the Company or any Related Entity in any aspect of their respective businesses during the Employee&#146;s employment with the Company, including, but not limited to:
advertising or otherwise endorsing the products of any such competitor; soliciting customers or otherwise serving as an intermediary for any such competitor; or loaning money or rendering any other form of financial assistance to or engaging in any
form of business transaction whether or not on an arms&#146; length basis with any such competitor; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) engage in any
practice the purpose of which is to evade the provisions of this Agreement or to commit any act which is detrimental to the successful continuation of, or which adversely affects, the business or the Company; provided, however, that the foregoing
shall not preclude the Employee&#146;s ownership of not more than 5% of the equity securities of a corporation which has such securities registered under Section&nbsp;12 of the Securities Exchange Act of 1934, as amended (the &#147;Exchange
Act&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) The Employee acknowledges that the inventions, innovations, software, trade secrets, business plans, financial
strategies, finances, and all other confidential or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>


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proprietary information with respect to the business and operations of the Company and Related Entities are valuable, special and unique assets of the Company. The Employee agrees not to, at any
time during or after the Term of this Agreement, disclose, directly or indirectly, to any person or entity, or use or authorize or propose to authorize any person or entity to use any confidential or proprietary information with respect to the
Company or Related Entities without the prior written consent of the Company including, without limitation, information as to the financial condition, results of operations, identities of clients or prospective clients, products under development,
acquisition strategies or acquisitions under consideration, pricing or cost information, marketing strategies or any other information relating to the Company or any of the Related Entities which could be reasonably regarded as confidential.
However, this does not include information which is or shall become generally available to the public other than as a result of disclosure by the Company or Related Entities or any of their agents, affiliates or representatives or a person to whom
any of them has provided such information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) The Employee agrees that the geographic scope of this covenant not to compete shall extend
to (i)&nbsp;the states of Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas and Virginia, which constitute the geographic area in which the Company
has operated its business at some time during the two years preceding the date of this Agreement; or (ii)&nbsp;such broader geographic area where the Company conducts business at any time during the Term of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) In the event of any breach of this covenant not to compete, the Employee recognizes that the remedies at law will be inadequate and that
in addition to any relief at law which may be available to the Company for such violation or breach and regardless of any other provision contained in this Agreement, the Company shall be entitled to equitable remedies (including an injunction) and
such other relief as a court may grant after considering the intent of this Section&nbsp;4. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) In the event a court of competent
jurisdiction determines that the provisions of this covenant not to compete are excessively broad as to duration, geographic scope, prohibited activities or otherwise, the parties agree that this covenant shall be reduced or curtailed to the extent
necessary to render it enforceable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. TERMINATION. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Death. The Employee&#146;s employment hereunder shall terminate upon her death. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Disability. If, during the Term, the Employee becomes physically or mentally disabled in accordance with the terms and conditions of any
disability insurance policy covering the Employee or, if due to such physical or mental disability, the Employee becomes unable for a period of more than one hundred eighty (180)&nbsp;consecutive days to perform her duties hereunder on substantially
a full-time basis as determined by the Company in its sole reasonable discretion, the Company may, at its option, terminate the Employee&#146;s employment hereunder upon not less than thirty (30)&nbsp;days&#146; written notice of termination. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Cause. The Company may terminate this Agreement at any time with Cause. As used in this
Agreement, &#147;Cause&#148; shall mean the following: (1)&nbsp;a material violation of the Company&#146;s policies or practices which reasonably justifies termination; (2)&nbsp;conviction of a felony, as evidenced by a binding and final judgment,
order or decree of a court of competent jurisdiction; (3)&nbsp;the commission by the Employee of any act which would reasonably be expected to materially injure the reputation, business, or business relationships of the Company or Related Entities;
or (4)&nbsp;any material breach by Employee of this Agreement. The Company may terminate this Agreement with Cause as defined in clauses (1)&nbsp;and (4)&nbsp;above upon fifteen (15)&nbsp;business days&#146; prior written notice (the &#147;Cause
Notification Period&#148;) to Employee, but such termination shall only become effective in the event of Employee&#146;s failure to cure the applicable breach or violation, to the reasonable satisfaction of Company, prior to the end of the Cause
Notification Period. The Company may terminate this Agreement without notice at any time with Cause as defined in clause (2)&nbsp;or (3)&nbsp;above. Notwithstanding anything in the foregoing to the contrary, upon and after a Change of Control, the
Company may terminate this Agreement with Cause only as defined in clause (2)&nbsp;or (4)&nbsp;above. In the event of a termination with Cause, the Company shall be relieved of all its obligations to the Employee provided for by this Agreement, and
all payments to the Employees hereunder shall immediately cease and terminate. For the avoidance of doubt, the Company also may terminate the Employee&#146;s employment hereunder at any time without Cause by written notice; provided, however, that
the Company shall owe the Employee the Severance Payment (as defined below) following a termination of the Employee&#146;s employment by the Company other than for Cause. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) Involuntary Termination by Employee. The Employee may terminate her employment hereunder upon (i)&nbsp;a good faith determination by the
Employee that there has been a material breach of the Agreement by the Company, (ii)&nbsp;a material adverse change in the Employee&#146;s working conditions or status, (iii)&nbsp;a significant relocation of the Employee&#146;s principal office, or
(iv)&nbsp;upon or within the two-year period following a Change of Control, a good faith determination by the Employee that there has been any of the following: a breach of the Agreement by the Company, any adverse change in the Employee&#146;s
working conditions, status, authority, duties, responsibilities (including but not limited to a requirement that the Employee report to a corporate officer instead of reporting directly to the board of directors) or any requirement that the Employee
relocate her principal office to a location that is more than ten (10)&nbsp;miles from the location of the Employee&#146;s principal office immediately prior to the Change of Control (any one of the preceding constituting &#147;Good Reason&#148;),
by delivering written notice of termination to the Company indicating in reasonable detail the facts and circumstances alleged to provide a basis for such termination and shall cease performing the Employee&#146;s duties hereunder on the date which
is ten (10)&nbsp;days after delivery of the notice, which date shall also be the date of termination of the Employee&#146;s employment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) Voluntary Termination by Employee. The Employee agrees to provide the Company with at least twenty (20)&nbsp;business days&#146;
(&#147;Termination Notice Period&#148;) prior written notice of her intent to terminate employment voluntarily. Failure to provide such notice terminates the Employee&#146;s entitlement to payment of accrued, unused benefits, such as vacation.
However, the Company reserves the right to terminate the Employee before the end of the Termination Notice Period, provided that the Company pays the Employee the salary that she would have received from the date of the last payroll payment to the
end of the Termination Notice Period. Such salary shall be paid in accordance with the Company&#146;s normal payroll </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>


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procedures applicable to base salary. During the Termination Notice Period, the Employee agrees to make a good faith effort to perform the duties described hereunder. If, during the Term, the
Employee voluntarily terminates her employment with the Company, the Company&#146;s obligations, including payment obligations, under this Agreement shall cease, except that the Company shall pay the Employee the amount of base salary that she would
have received from the date of the last payroll payment to the end of the Termination Notice Period in accordance with the Company&#146;s normal payroll procedures applicable to base salary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) Severance Payment and Post-Change of Control Benefits. In the event of a termination of the Employee&#146;s employment (i)&nbsp;by the
Company other than for Cause or (ii)&nbsp;by the Employee in a manner which satisfies Section&nbsp;5(d): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Company
shall pay the Employee (subject to the provisions of Section&nbsp;6 of this Agreement) a one-time, lump-sum severance payment equal to TWO (2)&nbsp;times the sum of (A)&nbsp;the Employee&#146;s annual base salary in effect at the time of such
termination and (B)&nbsp;the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years immediately preceding such termination (&#147;Severance Payment&#148;). Notwithstanding the foregoing, if such termination of the
Employee&#146;s employment occurs during a Post-Change of Control Renewal Period, the Severance Payment shall be calculated using the Employee&#146;s annual base salary in effect at any time during the period of 180 days prior to the date on which
the Change of Control occurred in clause (A), if higher than the annual base salary in effect at the time of such termination, and the Employee&#146;s average annual bonus for the TWO (2)&nbsp;full calendar years immediately preceding the Change of
Control in clause (B), if higher than the average annual bonus for the TWO (2)&nbsp;full calendar years immediately preceding such termination. The Severance Payment shall be paid to the Employee in cash equivalent on the date that is sixty
(60)&nbsp;days after the date of termination of the Employee&#146;s employment; provided that, to the extent required to comply with Section&nbsp;409A of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), all or a portion of the
Severance Payment shall be delayed until the first day of the seventh (7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP>)&nbsp;month following the month in which the termination of the Employee&#146;s employment occurs, without interest
thereon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) If such termination of employment occurs during a Post-Change of Control Renewal Period, then the Employee
will also receive the following benefits: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;(1) all restrictions on any restricted stock or restricted
stock unit awards made to Employee by the Company or its affiliates on or after the Change of Control shall lapse such that Employee is fully and immediately vested in such awards upon such termination of employment; (2)&nbsp;any stock options or
stock appreciation rights granted to Employee pursuant to the Company&#146;s or its affiliate&#146;s equity-based incentive plan(s) on or after the Change of Control shall become fully and immediately vested upon such termination of employment; and
(3)&nbsp;any performance shares, performance units or similar performance-based equity awards granted to Employee pursuant to the Company&#146;s or its affiliate&#146;s equity-based incentive </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>


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plan(s) on or after the Change of Control shall be deemed earned on a pro rated basis according to the portion of the performance period that has elapsed through the date of the termination of
employment as if all performance requirements had been satisfied at the target level (or such higher level as would have been achieved if performance through the date of the termination of employment had continued through the end of the performance
period). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Until the earlier of eighteen (18)&nbsp;months after the date of Employee&#146;s termination of employment
or such time as Employee has obtained new employment and is covered by benefits which in the aggregate are at least equal in value to the following benefits, Employee shall continue to be covered, at the expense of the Company, by the same or
equivalent life insurance, hospitalization, medical, dental and vision coverage as Employee received (or, if higher, as was required hereunder) immediately prior to Employee&#146;s termination of employment, subject to the following: After the end
of the COBRA continuation period, if such hospitalization, medical or dental coverage is provided under a health plan that is subject to Section&nbsp;105(h) of the Code, benefits payable under such health plan shall comply with the requirements of
Treasury regulation section 1.409A-3(i)(1)(iv) and, if necessary, the Company shall amend such health plan to comply therewith; and if provision of any such health benefits would subject the Company or its benefits arrangements to a penalty or
adverse tax treatment, then the Company shall provide a cash payment to Employee in an amount reasonably determined by the Company to be equivalent to the COBRA premiums for similar benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Employee shall receive until the end of the second calendar year following the calendar year in which the
Employee&#146;s termination of employment occurs, at the expense of the Company, outplacement services, on an individualized basis at a level of service commensurate with the Employee&#146;s status with the Company immediately prior to the date of
the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment), provided by a nationally recognized executive placement firm selected by the Company; provided that the cost to the Company of such services
shall not exceed 10% of the Employee&#146;s annual base salary immediately prior to the date of the Change of Control (or, if higher, immediately prior to the Employee&#146;s termination of employment). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Company shall bear up to $15,000 in the aggregate of fees and expenses of consultants and/or legal or accounting
advisors engaged by the Employee to advise the Employee as to matters relating to the computation of benefits due and payable under this Section&nbsp;5. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary in this Agreement, if a Change of Control occurs and the
Employee&#146;s employment with the Company is terminated (other than a termination due to Employee&#146;s death or as a result of Disability) during the period of 180 days prior to the date on which the Change of Control occurs, and if it is
reasonably demonstrated by Employee that such termination of employment (i)&nbsp;was at the request of a third party who has taken steps reasonably calculated to effect a Change of Control or (ii)&nbsp;otherwise arose in connection with or in
anticipation of a Change of Control, then for all purposes of this Agreement such termination of employment shall be deemed a termination following such Change of Control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(g) Benefits. The following shall apply upon termination of the Employee&#146;s employment: Notwithstanding anything to the contrary herein
contained, the Employee shall receive all compensation and other benefits to which she was entitled under this Agreement or otherwise as an employee of the Company through the termination date, including payments of base salary accrued hereunder
through the calendar month in which such termination occurs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. TAX PROVISIONS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Limitation on Parachute Payments. Notwithstanding any other provision of this Agreement, if any portion of the Severance Payment or any
other payment under this Agreement, or payments to or for the benefit of the Employee under any other agreement or plan (collectively, the &#147;Change of Control Benefits&#148;), would constitute an &#147;excess parachute payment,&#148; then the
Change of Control Benefits to be made to the Employee shall be reduced such that the value of the aggregate Change of Control Benefits that the Employee is entitled to receive shall be One Dollar ($1) less than the maximum amount which the Employee
may receive without becoming subject to the tax imposed by Section&nbsp;4999 of the Code (or any successor provision) or which the Company may pay without loss of deduction under Section&nbsp;280G(a) of the Code (or any successor provision);
provided that the foregoing reduction in the amount of Change of Control Benefits shall not apply if the after-tax value to the Employee of the Change of Control Benefits prior to reduction in accordance herewith is greater than the after-tax value
to the Employee if the Change of Control Benefits are reduced in accordance herewith. For purposes of this Agreement, the terms &#147;excess parachute payment&#148; and &#147;parachute payments&#148; shall have the meanings assigned to them in Code
Section&nbsp;280G, and such &#147;parachute payments&#148; shall be valued as provided therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Opinion. For purposes of this
Section, within thirty (30)&nbsp;days after notice by one party to the other of its belief that there is a payment or benefit due the Employee that will result in an excess parachute payment as defined in Section&nbsp;280G of the Code or any
successor provision thereto, the Employee and the Company shall obtain, at the Company&#146;s expense, the opinion (which need not be unqualified) of nationally recognized tax counsel (&#147;Tax Counsel&#148;) selected by the Company&#146;s
independent auditors and acceptable to the Employee, which sets forth (A)&nbsp;the &#147;base amount&#148; within the meaning of Section&nbsp;280G; (B)&nbsp;the aggregate present value of the payments in the nature of compensation to the Employee as
prescribed in Section&nbsp;280G(b)(2)(A) (ii); (C)&nbsp;the amount and present value of any &#147;excess parachute payment&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>


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within the meaning of Section&nbsp;280G(b)(1) without regard to the limitations of this Section&nbsp;6; (D)&nbsp;the after-tax value of the Change of Control Benefits if the reduction in Change
of Control Benefits contemplated under this Section&nbsp;6 did not apply; and (E)&nbsp;the after-tax value of the Change of Control Benefits taking into account the reduction in Change of Control Benefits contemplated under this Section&nbsp;6. For
purposes of determining the after-tax value of the Change of Control Benefits, the Employee shall be deemed to pay federal income taxes and employment taxes at the highest marginal rate of federal income and employment taxation in the calendar year
in which the payment is to be made and state and local income taxes at the highest marginal rates of taxation in the state and locality of the Employee&#146;s domicile for income tax purposes on the date the payment is to be made, net of the maximum
reduction in federal income taxes that may be obtained from deduction of such state and local taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">In the event that a reduction is to
be made under this Section&nbsp;6, the Change of Control Benefits shall be reduced or eliminated by applying the following principles, in order: (i)&nbsp;the payment or benefit with the higher ratio of the parachute payment value to present economic
value (determined using reasonable actuarial assumptions) shall be reduced or eliminated before a payment or benefit with a lower ratio; (ii)&nbsp;the payment or benefit with the later possible payment date shall be reduced or eliminated before a
payment or benefit with an earlier payment date; and (iii)&nbsp;cash payments shall be reduced prior to non-cash benefits; provided, however, that if the foregoing order of reduction or elimination would violate Section&nbsp;409A of the Code, then
the reduction shall be made pro rata among the payments or benefits included in the Change of Control Benefits (on the basis of the relative present value of the parachute payments). For purposes of this Agreement, the value of any noncash benefits
or any deferred payment or benefit, and all present economic values, shall be determined by the Company&#146;s independent auditors in accordance with the principles of Sections 280G, which determination shall be evidenced in a certificate of such
auditors addressed to the Company and the Employee. Such opinion shall be dated as of the date of termination of the Employee&#146;s employment and addressed to the Company and the Employee and shall be binding upon the Company and the Employee.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;6(b), including the calculations, notices and opinions provided for herein shall be based upon the
conclusive presumption that the compensation earned by the Employee pursuant to the Company&#146;s compensation programs prior to a change of control is reasonable; provided, however, that in the event such Tax Counsel so requests in connection with
the opinion required by this Section&nbsp;6(b), the Company shall obtain at its expense, and Tax Counsel may rely on in providing the opinion, the advice of a firm of recognized Employee compensation consultants as to the reasonableness of any item
of compensation to be received by the Employee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Effect of Change in Law. In the event that the provisions of Sections 280G and 4999
of the Code (or any successor provisions) are repealed, this Section&nbsp;6 shall cease to be effective on the effective date of such repeal. The parties to this Agreement recognize that final regulations promulgated under Section&nbsp;280G of the
Code may affect the amounts that may be paid under this Agreement and agree that, upon issuance of such final regulations, this Agreement may be modified as the parties hereto may in good faith deem necessary in light of the provisions of such
regulations to achieve the purposes of this Agreement, and that consent to such modification shall not be unreasonably withheld. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. SUCCESSORS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) If the Company sells, assigns or transfers all or substantially all of its business and assets to any Person (as defined in Appendix A
hereto) or if the Company merges into or consolidates or otherwise combines (where the Company does not survive such combination) with any Person (any such event, a &#147;Sale of Business&#148;), then the Company shall assign all of its right, title
and interest in this Agreement as of the date of such event to such Person, and the Company shall cause such Person, by written agreement in form and substance reasonably satisfactory to the Employee, to expressly assume and agree to perform from
and after the date of such assignment all of the terms, conditions and provisions imposed by this Agreement upon the Company. Failure of the Company to obtain such agreement prior to the effective date of such Sale of Business shall be a material
breach of this Agreement. In case of such assignment by the Company and of assumption and agreement by such Person, as used in this Agreement, &#147;Company&#148; shall thereafter mean such Person which executes and delivers the agreement provided
for in this Section&nbsp;7 or which otherwise becomes bound by all the terms and provisions of this Agreement by operation of law, and this Agreement shall inure to the benefit of, and be enforceable by, such Person. The Employee shall, in the
Employee&#146;s discretion, be entitled to proceed against any or all of such Persons, any Person which theretofore was such a successor to the Company (as defined in the first paragraph of this Agreement) and the Company (as so defined) in any
action to enforce any rights of the Employee hereunder. Except as provided in this Subsection, this Agreement shall not be assignable by the Company. This Agreement shall not be terminated by the voluntary or involuntary dissolution of the Company.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) This Agreement and all rights of the Employee shall inure to the benefit of and be enforceable by the Employee&#146;s personal or
legal representatives, executors, administrators, heirs and beneficiaries. All amounts payable to the Employee under Sections&nbsp;3, 5, and 7 of this Agreement if the Employee had lived shall be paid, in the event of the Employee&#146;s death, to
the Employee&#146;s estate, heirs and representatives; provided, however, that the foregoing shall not be construed to modify any terms of any benefit plan of the Company, as such terms are in effect on the date of the Employee&#146;s death, that
expressly govern benefits under such plan in the event of the Employee&#146;s death. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. SEVERABILITY. The provisions of this Agreement
shall be regarded as divisible, and the parties agree that if any of said provisions or any part hereof shall under any circumstances be deemed or declared invalid, inoperative or unenforceable, then the validity and enforceability of the remainder
of such provisions or parts hereof and the applicability thereof shall not be affected thereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. AMENDMENT. This Agreement may not be
further amended or modified at any time except by written instrument executed by the Company and the Employee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. WITHHOLDING. The
Company shall be entitled to withhold from amounts to be paid to the Employee hereunder any federal, state or local withholding or other taxes or charges which it is from time to time required to withhold; provided, that the amount so withheld shall
not exceed the minimum amount required to be withheld by law (unless the Employee has otherwise indicated in writing). The Company shall be entitled to rely on an opinion of nationally recognized tax counsel if any question as to the amount or
requirement of any such withholding shall arise. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. NOTICE. For purposes of this Agreement, notices and all other communications provided for
herein shall be in writing and shall be deemed to have been duly given when actually received, whether hand-delivered, sent by telecopier, facsimile transmission or other electronic means of transmitting written documents (as long as receipt is
acknowledged) or mailed by United States certified or registered mail, return receipt requested, postage prepaid, addressed as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">If to the Employee, to the Employee at the Employee&#146;s address then reflected in the records of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">If to the Company, to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Nicholas Financial, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">2454
McMullen Booth Road </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Building C </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Clearwater, Florida 33759 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attn: President </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman">or to such
other address as either party may have furnished to the other in writing in accordance herewith, except that a notice of change of address shall be effective only upon receipt. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. NO WAIVER; ENTIRE AGREEMENT. No waiver by any party hereto of any breach of this Agreement by any other party hereto shall be deemed a
waiver of any similar or dissimilar term or condition at the same or at any prior or subsequent time. This Agreement and any equity award agreements between the Company and the Employee constitute the entire agreement between the parties hereto with
respect to the Employee&#146;s employment by the Company and there are no agreements or representations, oral or otherwise, expressed or implied, with respect to or related to the employment of the Employee which are not set forth in this Agreement
or such equity award agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. NO ASSIGNMENT. Except as expressly set forth herein, no party shall assign any of her or its rights
under this Agreement without the prior written consent of the other party and any attempted assignment without such prior written consent shall be null and void and without legal effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. COUNTERPARTS; FACSIMILE SIGNATURES. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original,
but all of which together shall constitute one and the same instrument. This Agreement may be effective upon the execution and delivery by any party hereto of facsimile copies of signature pages hereto duly executed by such party; provided, however,
that any party delivering a facsimile signature page covenants and agrees to deliver promptly after the date hereof two (2)&nbsp;original copies to the other party hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. GOVERNING LAW. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) The
validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State of Florida, except that Section&nbsp;15(b) shall be construed in accordance with the Federal Arbitration Act if arbitration
is chosen by the Employee as the method of dispute resolution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Any dispute arising out of this Agreement shall, at the Employee&#146;s election, be
determined by either (i)&nbsp;arbitration under the rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which both parties shall be bound by the arbitration award,
or (ii)&nbsp;by litigation. Whether the dispute is to be settled by arbitration or litigation, the venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected
venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in the manner provided hereunder for the giving of notices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. CERTAIN RULES OF CONSTRUCTION; CODE SECTION 409A. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) No party shall be considered as being responsible for the drafting of this Agreement for the purpose of applying any rule construing
ambiguities against the drafter or otherwise. No draft of this Agreement shall be taken into account in construing this Agreement. Any provision of this Agreement which requires an agreement in writing shall be deemed to require that the writing in
question be signed by the Employee and an authorized representative of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Company and the Employee intend the terms of
this Agreement to be in compliance with Section&nbsp;409A of the Code and the regulations promulgated thereunder. To the maximum extent permissible, any ambiguous terms of this Agreement shall be interpreted in a manner that avoids a violation of
Section&nbsp;409A of the Code. The phrase &#147;termination of the Employee&#146;s employment&#148; and similar phrases in this Agreement shall mean the Employee&#146;s &#147;separation from service&#148; as defined in Section&nbsp;409A of the Code.
The Company does not guarantee the tax treatment or tax consequences associated with any payment or benefit, including but not limited to consequences related to Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) If, after the date of a Change of Control of the Company, any payment amount or the value of any benefit under this Agreement is required
to be included in the Employee&#146;s income prior to the date such amount is actually paid or the benefit provided as a result of the failure of this Agreement (or any other arrangement that is required to be aggregated with this Agreement under
Code Section&nbsp;409A) to comply with Code Section&nbsp;409A, then the Employee shall receive a distribution, in a lump sum, within 90 days after the date it is finally determined that the Agreement (or such other arrangement that is required to be
aggregated with this Agreement) fails to meet the requirements of Section&nbsp;409A of the Code; such distribution shall equal the lesser of (i)&nbsp;the amount required to be included in the Employee&#146;s income as a result of such failure and
(ii)&nbsp;the benefits otherwise due hereunder, and shall in any event reduce the amount of payments or benefits otherwise due hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. HEADINGS. The headings herein contained are for reference only and shall not affect the meaning or interpretation of any provision of this
Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-13- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above
written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">NICHOLAS FINANCIAL, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">President and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPLOYEE:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Katie MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Printed Name: Katie L. MacGillivary</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-14- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, a Change of Control shall be deemed to have occurred upon the earlier of (a)&nbsp;any of the events
constituting a &#147;Change of Control&#148; under the Company&#146;s 2015 Omnibus Incentive Plan, as such term is defined in such Plan as of the date of this Agreement, or (b)&nbsp;a determination by the Board of Directors of the Company, in view
of the then current circumstances or impending events, that a change of control of the Company has occurred or is imminent, which determination shall be made for the specific purpose of triggering the operative provisions of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.11
<SEQUENCE>5
<FILENAME>d208905dex1011.htm
<DESCRIPTION>SUMMARY OF FISCAL 2015/2016/2017 ANNUAL INCENTIVE BONUS PROGRAMS
<TEXT>
<HTML><HEAD>
<TITLE>Summary of Fiscal 2015/2016/2017 Annual Incentive Bonus Programs</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.11 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FISCAL 2015/2016/2017 ANNUAL INCENTIVE BONUS PLAN SUMMARY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The Company&#146;s named executive officers are: Ralph T. Finkenbrink, President and Chief Executive Officer; Kevin D. Bates, Senior Vice
President of Branch Operations; and Katie L. MacGillivary, Vice President of Finance, Chief Financial Officer and Corporate Secretary. The Company establishes annual incentive bonus programs for its named executive officers. The annual incentive
bonus programs for the fiscal year ending March&nbsp;31, 2017 (&#147;Fiscal 2017&#148;) have not been established as of the date of filing of the Annual Report on Form 10-K for the fiscal year ended March&nbsp;31, 2016, but they are expected to be
in place by the time of filing the Proxy Statement and Information Statement relating to the 2016 Annual General Meeting of Shareholders. Set forth below is a summary of the principal terms of such annual incentive bonus programs for the fiscal year
ended March&nbsp;31, 2015 (&#147;Fiscal 2015&#148;) and the fiscal year ended March&nbsp;31, 2016 (&#147;Fiscal 2016&#148;): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2015
</U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><B><I>Discretionary Cash Bonuses</I></B><B>.</B><B><I></I></B> In addition to his or her annual base salary, each of
Mr.&nbsp;Finkenbrink, Mr.&nbsp;Bates and Ms.&nbsp;MacGillivary was entitled to receive cash bonuses for Fiscal 2015 at the discretion of the Compensation Committee of the Company&#146;s Board of Directors. The Compensation Committee awarded cash
bonuses for Fiscal 2015 of $35,000, $25,000 and $15,000 to Mr.&nbsp;Finkenbrink, Mr.&nbsp;Bates and Ms.&nbsp;MacGillivary, respectively. In determining such bonuses, the Compensation Committee considered various factors it deemed appropriate, such
as (without limitation) profitability, portfolio growth, branch expansion, and competitive circumstances. The Compensation Committee granted Mr.&nbsp;Finkenbrink a $25,000 cash bonus upon his becoming President and Chief Executive Officer of the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><B><I>Equity Awards</I></B><B>.</B><B><I></I></B> The Company&#146;s current Named Executive Officers received the following
equity awards under the Equity Plan as part of the Fiscal 2015 incentive bonus program: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Executive Officer</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Restricted Stock*</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Non-Qualified Stock Options**</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ralph T. Finkenbrink</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">20,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">40,000</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kevin D. Bates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">12,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">25,000</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Katie L. MacGillivary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">8,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">15,000</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">These awards were granted effective June&nbsp;13, 2014 will vest on March&nbsp;31, 2017. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top">These awards were granted effective June&nbsp;13, 2014, will vest in five equal installments commencing as of the first anniversary of the date of grant, and expire on June&nbsp;13, 2024. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2016 </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><B><I>Discretionary
Cash Bonuses</I></B><B>.</B><B><I></I></B> In addition to his or her annual base salary, each of Mr.&nbsp;Finkenbrink, Mr.&nbsp;Bates and Ms.&nbsp;MacGillivary was entitled to receive cash bonuses for Fiscal 2016 at the discretion of the
Compensation Committee of the Company&#146;s Board of Directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Compensation Committee awarded cash bonuses for Fiscal 2016 of $32,500, $25,000 and
$17,500 to Mr.&nbsp;Finkenbrink, Mr.&nbsp;Bates and Ms.&nbsp;MacGillivary, respectively. In determining such bonuses, the Compensation Committee considered various factors it deemed appropriate, such as (without limitation) profitability, portfolio
growth, branch expansion, and competitive circumstances. </P>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.13
<SEQUENCE>6
<FILENAME>d208905dex1013.htm
<DESCRIPTION>FORM OF NICHOLAS FINANCIAL, INC. 2015 OMNIBUS INCENTIVE PLAN STOCK OPTION AWARD
<TEXT>
<HTML><HEAD>
<TITLE>Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Stock Option Award</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 10.13 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NICHOLAS FINANCIAL, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2015 OMNIBUS INCENTIVE PLAN </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>STOCK OPTION AWARD </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Name] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Address] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear
<U>&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>: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You have been granted an option (the &#147;Option&#148;) to purchase shares of common stock of Nicholas Financial, Inc. (the &#147;Company&#148;) under the
Nicholas Financial, Inc. 2015 Omnibus Incentive Plan (the &#147;Plan&#148;) with the following terms and conditions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grant Date:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 20<U>&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Type of Option:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">[Nonqualified or Incentive Stock Option]</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number&nbsp;of&nbsp;Option&nbsp;Shares:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:21%">&nbsp;</P></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exercise Price per Share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">U.S. $<U>&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></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Termination Date:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Earlier to occur of:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Close of business at the Company headquarters on the tenth (10<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP>) anniversary of the Grant Date, and</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Thirty (30) days after your termination of employment or service.</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Your entire Option (whether vested or nonvested) is terminated immediately if your
employment or service is terminated for Cause. In addition, if you have submitted a notice of exercise that has not yet been processed and you are terminated for Cause, your notice of exercise will be rescinded and your exercise price will be
returned to you.</P></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Vesting:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>&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> percent
(<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>%) of your Option will vest on each of the first <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> anniversaries of the Grant Date.</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If your employment or service terminates prior to the date your Option is fully vested as
a result of death, Disability or Retirement, your Option will become fully vested on the date of such termination.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Upon any other termination of employment from, or cessation of services to, the Company and its Affiliates, the unvested portion of your Option will
terminate.</P></TD></TR></TABLE>

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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Manner of Exercise:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You may exercise this Option only to the extent vested and only if the Option has not terminated. To exercise this Option, you must
complete the &#147;Notice of Stock Option Exercise&#148; form provided by the Company and return it to the address indicated on the form. The form will be effective when it is received by the Company. However, the Shares you are electing to purchase
will not be delivered until the total exercise price and all applicable withholding taxes have been paid as provided in the Plan.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If someone else wants to exercise this Option after your death, that person must contact the Company and prove to the Company&#146;s satisfaction that he or
she is entitled to do so.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Your ability to exercise the Option may be restricted by
the Company if required by applicable law.</P></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change of Control:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Upon a Change of Control, this Option will be treated as set forth in the Plan.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restrictions on Resale:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">By accepting this Option, you agree not to sell any Shares acquired under this Option at a time when applicable laws, Company policies or an agreement between the Company and its underwriters prohibit a sale.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice of Sale:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">If this Option is designated as an incentive stock option, you must promptly report to the Secretary of the Company any disposition of the Shares acquired under this Option that is made within two (2) years from the Grant Date or
within twelve (12) months from the date you acquired the Shares (the &#147;Notice Period&#148;). In addition, the Company may, at any time during the Notice Period, place a legend or legends on any certificate(s) for the Shares, or enter an
appropriate stop transfer order if the Shares are in book entry form, requesting the Company&#146;s transfer agent to notify the Company of any transfer of the Shares.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoupment:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">This Option is subject to any recoupment or clawback policy that is adopted by, or any recoupment or similar requirement otherwise made applicable by law, regulation or listing standards to, the Company from time to
time.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Stock Option Award may be amended only by written consent
signed by you and the Company, unless the amendment is not to your detriment or the amendment is otherwise permitted without your consent by the Plan.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The failure of the Company to enforce any provision of this Stock Option Award at any
time shall in no way constitute a waiver of such provision or of any other provision hereof.</P></TD></TR></TABLE>

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<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;In the event any provision of this Stock Option Award is held
illegal or invalid for any reason, such illegality or invalidity shall not affect the legality or validity of the remaining provisions of this Stock Option Award, and this Stock Option Award shall be construed and enforced as if the illegal or
invalid provision had not been included in this Option.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;As a condition of the granting of this Option, you agree, for yourself and your legal
representatives or guardians, that this Stock Option Award shall be interpreted by the Administrator and that any interpretation by the Administrator of the terms of this Stock Option Award and any determination made by the Administrator pursuant to
this Stock Option Award shall be final, binding and conclusive.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Stock Option Award may be executed in counterparts.</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Option is granted under and governed by the terms and conditions of the Plan. Additional provisions regarding your Option
and definitions of capitalized terms used and not defined in this Option can be found in the Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">BY SIGNING BELOW AND ACCEPTING THIS
STOCK OPTION AWARD, YOU AGREE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TO ALL OF THE TERMS AND CONDITIONS DESCRIBED HEREIN AND IN THE PLAN. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">YOU ALSO ACKNOWLEDGE RECEIPT OF THE PLAN AND THE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">PROSPECTUS DESCRIBING THE PLAN. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom">NICHOLAS FINANCIAL, INC.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="top">By:
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U></TD>
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<TD VALIGN="top"><FONT STYLE="font-size:10pt">Name:</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-size:10pt">Recipient</FONT></TD></TR>
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<TD VALIGN="top"><FONT STYLE="font-size:10pt">Title:</FONT></TD>
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<DOCUMENT>
<TYPE>EX-10.14
<SEQUENCE>7
<FILENAME>d208905dex1014.htm
<DESCRIPTION>FORM OF NICHOLAS FINANCIAL, INC. 2015 OMNIBUS INCENTIVE PLAN RESTRICTED STOCK
<TEXT>
<HTML><HEAD>
<TITLE>Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Restricted Stock</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 10.14 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NICHOLAS FINANCIAL, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2015 OMNIBUS INCENTIVE PLAN </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RESTRICTED STOCK AWARD </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Name] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Address] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear
<U>&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>: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You have been granted a Restricted Stock Award for shares of common stock of Nicholas Financial, Inc. (the &#147;Company&#148;) under the Nicholas Financial,
Inc. 2015 Omnibus Incentive Plan (the &#147;Plan&#148;) with the following terms and conditions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grant Date:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 20<U>&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number of Restricted</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> Shares</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Vesting&nbsp;Schedule:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>&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> percent
(<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>%) of your Restricted Shares will vest on each of the first <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> anniversaries of the Grant Date.</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If your employment or service terminates prior to the date your Restricted Shares are
vested as a result of death or Disability, or if the Company terminates your employment for other than Cause, your Restricted Shares will become fully vested on the date of such termination. In addition, upon a Change of Control, all of your
Restricted Shares will become fully vested.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Upon any other termination of employment
or service, you will forfeit the Restricted Shares that have not yet vested.</P></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>[Issuance&nbsp;by&nbsp;Certificate</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>or&nbsp;Book&nbsp;Entry]</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>[Escrow]:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>[Issuance:]</B> The Company will issue certificate(s) or make an appropriate book entry in your name evidencing your Restricted Shares
as soon as practicable following your execution of this Restricted Stock Award.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If
the Restricted Shares are issued in certificated form, in addition to any other legends placed on the certificate(s), such certificate(s) will bear the following legend:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;The sale or other transfer of the Shares represented by this certificate, whether voluntary or by operation of law, is subject to restrictions set forth
in a Restricted Stock Award agreement, dated as of
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, by and between Nicholas
Financial, Inc. and the registered owner hereof. A copy of such agreement may be obtained from the Secretary of Nicholas Financial, Inc.&#148;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the Restricted Shares are issued in book-entry form, they will be subject to an appropriate stop-transfer order.</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Upon the vesting of the Restricted Shares, you will be entitled to a new certificate for
the Shares that have vested, without the foregoing legend, or to have such stop-transfer order removed, as applicable, upon request to the Secretary of the Company.</P></TD></TR></TABLE>

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<TD VALIGN="bottom"><B>[Escrow:]</B> Your Restricted Shares will be held in escrow by the Company, as escrow agent. The Company will give you a receipt for the Shares held in escrow that will state that the Company holds such Shares in escrow for
your account, subject to the terms of this Restricted Stock Award, and you will give the Company a stock power for such Shares duly endorsed in blank which will be used in the event such Shares are forfeited in whole or in part. As soon as
practicable after the vesting date, the Restricted Shares will cease to be held in escrow, and the vested Shares will be issued in certificated or book entry form to you or, in the case of your death, to your estate.</TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transferability of</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted Shares:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">You may not sell, transfer or otherwise alienate or hypothecate any of your Restricted Shares until they are vested. In addition, by accepting this Restricted Stock Award, you agree not to sell any Shares acquired under this
Restricted Stock Award at a time when applicable laws, Company policies or an agreement between the Company and its underwriters prohibit a sale.</TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Voting and Dividends:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">While the Restricted Shares are subject to forfeiture, you may exercise full voting rights and will receive all dividends and other distributions paid with respect to the Restricted Shares, in each case so long as the applicable
record date occurs before you forfeit such Shares. If, however, any such dividends or distributions are paid in Shares, such Shares will be subject to the same risk of forfeiture, restrictions on transferability and other terms of this Restricted
Stock Award as are the Restricted Shares with respect to which they were paid.</TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax Withholding:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">To the extent that the receipt of the Restricted Shares or the vesting of the Restricted Shares results in income to you for Federal, state or local income tax purposes, or the Company is otherwise obligated to withhold amounts
in connection with the Restricted Shares, you shall deliver to the Company at the time the Company is obligated to withhold taxes in connection with such</TD></TR></TABLE>

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<TD VALIGN="bottom">receipt or vesting, as the case may be, such amount as the Company requires to meet its withholding obligation under applicable tax laws or regulations, and if you fail to do so, the Company has the right and authority to deduct
or withhold from other compensation payable to you an amount sufficient to satisfy its withholding obligations. If you do not make an election under Section 83(b) of the Internal Revenue Code of 1986, as amended, in connection with this Restricted
Stock Award, you may satisfy the withholding requirement, in whole or in part, <B>[if escrow: by electing to have the Company withhold for its own account that number of Restricted Shares otherwise deliverable to you from escrow hereunder on the
date the tax is to be determined] [if issue: by electing to deliver to the Company that number of Restricted Shares (that would otherwise be vested on the date the tax is determined)]</B> having an aggregate Fair Market Value on the date the tax is
to be determined equal to the minimum statutory total tax that the Company must withhold in connection with the vesting of such Shares. Your election must be irrevocable, in writing, and submitted to the Secretary of the Company before the
applicable vesting date. The Fair Market Value of any fractional Share not used to satisfy the withholding obligation (as determined on the date the tax is determined) will be paid to you in cash.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Restricted Stock Award may be amended only by written consent
signed by you and the Company, unless the amendment is not to your detriment or the amendment is otherwise permitted without your consent by the Plan.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The failure of the Company to enforce any provision of this Restricted Stock Award at
any time shall in no way constitute a waiver of such provision or of any other provision hereof.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;In the event any provision of this Restricted Stock Award is held illegal or invalid for
any reason, such illegality or invalidity shall not affect the legality or validity of the remaining provisions of this Restricted Stock Award, and this Restricted Stock Award shall be construed and enforced as if the illegal or invalid provision
had not been included in this Restricted Stock Award.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;As a condition of the granting of this Restricted Stock Award, you agree, for yourself
and your legal representatives or guardians, that this Restricted Stock Award shall be interpreted by the Administrator and that any interpretation by the Administrator of the terms of this Restricted Stock Award and any determination made by the
Administrator pursuant to this Restricted Stock Award shall be final, binding and conclusive.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Restricted Stock Award may be executed in counterparts.</P></TD></TR>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Restricted Stock Award is granted under and governed by the terms and conditions of the Plan. Additional
provisions regarding your Restricted Stock Award and definitions of capitalized terms used and not defined in this Restricted Stock Award can be found in the Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">BY SIGNING BELOW AND ACCEPTING THIS RESTRICTED STOCK AWARD, YOU </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AGREE TO ALL OF THE TERMS AND CONDITIONS DESCRIBED HEREIN AND IN THE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">PLAN. YOU ALSO ACKNOWLEDGE RECEIPT OF THE PLAN AND THE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">PROSPECTUS DESCRIBING THE PLAN. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom">NICHOLAS FINANCIAL, INC.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
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<TD VALIGN="top">By:
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U></TD>
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<TD VALIGN="top"></TD>
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<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:3pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"><FONT STYLE="font-size:10pt">Name:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:10pt">Recipient</FONT></TD></TR>
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<TD VALIGN="top"><FONT STYLE="font-size:10pt">Title:</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.15
<SEQUENCE>8
<FILENAME>d208905dex1015.htm
<DESCRIPTION>FORM OF NICHOLAS FINANCIAL, INC. 2015 OMNIBUS INCENTIVE PLAN PERFORMANCE SHARE
<TEXT>
<HTML><HEAD>
<TITLE>Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Performance Share</TITLE>
</HEAD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 10.15 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NICHOLAS FINANCIAL, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2015 OMNIBUS INCENTIVE PLAN </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PERFORMANCE SHARE AWARD </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Name] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Address] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You have been granted a Performance Share Award for shares of common stock of Nicholas Financial, Inc. (the &#147;Company&#148;) under the Nicholas
Financial, Inc. 2015 Omnibus Incentive Plan (the &#147;Plan&#148;) with the following terms and conditions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Performance Period:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 20<U>&nbsp;&nbsp;&nbsp;&nbsp;</U> through
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 20<U>&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Performance Criteria:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You will earn a number of Shares based on the Company&#146;s achievement of the Performance Goal at the end of the Performance Period as
follows:</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;<U>Achievement</U>
&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>Number of Performance Shares Earned</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>% of Target</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>% of Target</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Target</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>% of Target</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>% of Target</P></TD></TR>
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<TD VALIGN="bottom">The &#147;Target&#148; Performance Goal for the Performance Period is
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>.</TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If your employment or service terminates prior to the end of the Performance Period due to death or Disability, you will be eligible to
receive a number of Performance Shares equal to the number of shares specified above assuming the Target Performance Goal had been met, multiplied by a fraction, the numerator of which is the number of days that have elapsed since the first day of
the Performance Period to the date of your termination, and the denominator of which is equal to the number of days in the full Performance Period. For this purpose, &#147;Disability&#148; means that you are unable to engage in any substantial
gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12)&nbsp;months, as determined by the
Administrator.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">If your employment or service terminates prior to the end of the
Performance Period for any other reason, this Performance Share Award will terminate in full on the date of such termination and you will not earn any Performance Shares.</P></TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Issuance&nbsp;by&nbsp;Certificate</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">or Book
Entry:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">As soon as practicable (but in no event later than 2 <SUP STYLE="vertical-align:top">&nbsp;1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> months) after the end of the Performance Period, the Company will issue your
earned Performance Shares in your name in certificated form or by book entry. If, however, you terminate employment or service due to death or Disability, the Company will issue your earned Performance Shares in certificated form or by book entry as
soon as practicable (but in no event later than 2 <SUP STYLE="vertical-align:top">&nbsp;1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> months) after the date of your termination.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rights as Shareholder:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">You will not be deemed for any purposes to be a shareholder of the Company with respect to any of the Shares subject to this Performance Share Award unless and until earned Performance Shares have been issued to you in
certificated form or by book entry. Accordingly, until such issuance, you may not exercise any voting rights and you will not be entitled to receive any dividends, dividend equivalent payments or other distributions with respect to the Shares
subject to this Performance Share Award.</TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change of Control:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Upon a Change of Control, the Performance Shares will be treated as set forth in the Plan.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transferability of</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">By accepting this Performance Share Award, you agree not to sell any Shares acquired under this Performance Share Award at a time when applicable laws, Company policies or an agreement between the Company and its underwriters
prohibit a sale.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax Withholding:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">To the extent that the Performance Shares result in income to you for Federal, state or local income tax purposes, or the Company is otherwise obligated to withhold amounts in connection with the Performance Shares, you shall
deliver to the Company at the time the Company is obligated to withhold taxes in connection with such receipt, such amount as the Company requires to meet its withholding obligation under applicable tax laws or regulations, and if you fail to do so,
the Company has the right and authority to deduct or withhold from other compensation payable to you an amount sufficient to satisfy its withholding obligations. You may satisfy the withholding requirement, in whole or in part, by electing to have
the Company withhold for its own account that number of Performance Shares otherwise deliverable to you having an aggregate Fair Market Value on the date the tax is to be determined equal to the minimum statutory total tax that the Company must
withhold in connection with the vesting of such Shares. Your election must be irrevocable, in writing, and submitted to the Secretary of the Company before the date the Shares are distributed. The Fair Market Value of any fractional Share not used
to satisfy the withholding obligation (as determined on the date the tax is determined) will be paid to you in cash.</TD></TR>
</TABLE>

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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoupment:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">This Performance Share Award shall be subject to any recoupment or clawback policy that is adopted by, or any recoupment or similar requirement otherwise made applicable by law, regulation or listing standards to, the Company
from time to time.</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Performance Share Award may be amended only by written consent
signed by you and the Company, unless the amendment is not to your detriment or the amendment is otherwise permitted without your consent by the Plan.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The failure of the Company to enforce any provision of this Performance Share Award at
any time shall in no way constitute a waiver of such provision or of any other provision hereof.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;In the event any provision of this Performance Share Award is held illegal or invalid
for any reason, such illegality or invalidity shall not affect the legality or validity of the remaining provisions of this Performance Share Award, and this Performance Share Award shall be construed and enforced as if the illegal or invalid
provision had not been included in this Performance Share Award.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;As a condition of the granting of this Performance Share Award, you agree, for yourself
and your legal representatives or guardians, that this Performance Share Award shall be interpreted by the Administrator and that any interpretation by the Administrator of the terms of this Performance Share Award and any determination made by the
Administrator pursuant to this Performance Share Award shall be final, binding and conclusive.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;This Performance Share Award may be executed in counterparts.</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Performance Share Award is granted under and governed by the terms and conditions of the Plan. Additional provisions
regarding your Performance Share Award and definitions of capitalized terms used and not defined in this Performance Share Award can be found in the Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">BY SIGNING BELOW AND ACCEPTING THIS PERFORMANCE SHARE AWARD, YOU </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AGREE TO ALL OF THE TERMS AND CONDITIONS DESCRIBED HEREIN AND IN THE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">PLAN. YOU ALSO ACKNOWLEDGE RECEIPT OF THE PLAN AND THE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">PROSPECTUS DESCRIBING THE PLAN. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" COLSPAN="3">NICHOLAS FINANCIAL, INC.</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="top">By:</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="top">Name:</TD>
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<TD VALIGN="bottom">Recipient</TD></TR>
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<TD VALIGN="top">Title:</TD>
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<DOCUMENT>
<TYPE>EX-10.19
<SEQUENCE>9
<FILENAME>d208905dex1019.htm
<DESCRIPTION>FORM OF DEALER AGREEMENT AND SCHEDULE
<TEXT>
<HTML><HEAD>
<TITLE>Form of Dealer Agreement and Schedule</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.19 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


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<IMG SRC="g208905snap0001.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>NICHOLAS FINANCIAL, INC.</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><I>Automobile Dealer Retail Agreement</I></B></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Non-Recourse Dealer Retail Agreement </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The undersigned Dealer proposes to sell to the undersigned Nicholas Financial, Inc. (NFI), from time to time, Promissory Notes, Security Agreements, Retail
Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as &#147;Contracts&#148;, evidencing installment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such
Contracts. It is understood that NFI shall have the sole discretion to determine which Contracts it will purchase from Dealer. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Dealer represents and warrants that Contracts submitted to NFI for purchase shall represent valid, bona fide sales for the respective amount therein set forth in such Contracts and that such Contracts represent sales of
motor vehicles owned by the Dealer and are free and clear of all liens and encumbrances. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Upon purchase by NFI of any contracts hereunder from dealer, dealer shall endorse and assign to NFI the obligations and all pertinent security, security instruments, along with such provisional endorsements as may be
stipulated for such contracts purchased by NFI. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">This Agreement, and sums payable hereunder, may not be assigned by Dealer without written consent of NFI. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">Dealer acknowledges that NFI charges an acquisition fee and a $75.00 loan processing charge on all contracts purchased and funded by NFI. The acquisition fee and loan processing charge are taken from Dealer Proceeds and
are Non-Refundable. The amount is disclosed on each transaction and is set by Nicholas Financial, Inc. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top"><B><I>Perfection of Security Interest: </I></B>For each Contract purchased by NFI, Dealer shall, within 20 days of the date of the Contract or within a lesser time period if required by applicable law, file and record
all documents necessary to properly perfect the valid and enforceable first priority security interest of NFI in the Vehicle and shall send NFI all security interest filing receipts. A Contract shall be subject to Repurchase for the life of the
Contract if NFI suffers a loss due to the Dealership&#146;s failure to (1)&nbsp;file and record, within 20 days of the date of the Contract or within a lesser time period if required by applicable law, all documents required to properly perfect the
valid and enforceable first priority security interest of NFI in the Vehicle; (2)&nbsp;send NFI the filing receipts reflecting said perfection. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"><B><I>Indemnity</I></B><B>: </B>As a separate and cumulative obligation, Dealer shall defend and hold NFI harmless from any and all claims, defenses, offsets, damages, suits, administrative or other proceedings, cost
(including reasonable attorney&#146;s fees), expenses, losses, and liabilities. (Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of indemnification is within 7 days of
demand by NFI. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"><B><I>Add-on Products and Services: </I></B> </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">a.</TD>
<TD ALIGN="left" VALIGN="top"><I>Defined</I>. &#147;Add-on Products and Services,&#148; or &#147;APS,&#148; shall mean service contracts, mechanical breakdown contracts, GAP contracts, credit life and credit accident and health insurance. In
addition, the term shall include other products and services acceptable to and approved in writing by NFI from time to time. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">b.</TD>
<TD ALIGN="left" VALIGN="top"><I>Cancellation of APS</I>. If APS has been sold by the Dealer and financed in a Contract purchased by NFI, Dealer agrees that such APS shall be cancelable upon demand by Buyer. Upon such cancellation, Dealer shall
immediately notify NFI that the Buyer has canceled the APS. Upon cancellation, Buyer shall be entitled to a refund of the unearned portion of the cash price of the APS as provided in the APS Contract or as may otherwise be required by law, whichever
is greater. As between NFI and Dealer, Dealer agrees to pay to NFI, as appropriate, any refund due to Buyer under the terms of an APS Contract. Dealer&#146;s liability under this Section shall be limited to the amount Dealer collected and retained
or otherwise received, directly or indirectly, in connection with the sale of the APS. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">8.</TD>
<TD ALIGN="left" VALIGN="top"><B><I>Privacy: </I></B>Dealer shall not make any unauthorized disclosure of, or use any personal information of individual consumers which it receives from NFI or on NFI&#146;s behalf other than to carry out the
purposes for which such information is received. NFI and Dealer shall comply in all respects with all applicable requirements of Title V of the Gramm-Leach-Bliley Act of 1999 and its implementing regulations. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left">9.</TD>
<TD ALIGN="left" VALIGN="top">No Provisions hereof may be modified, changed or supplemented, unless both parties agree to the amendment in writing. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" COLSPAN="3"><B>Nicholas&nbsp;Financial,&nbsp;Inc.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Dealer:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
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<TD VALIGN="top">By:</TD>
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<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
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<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Date:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">123 AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12K&nbsp;&amp; UNDER MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST CHOICE AUTO FINANCING INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST CHOICE AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST CHOICE CAROLINA CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST STOP MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1ST STOP USED AUTOS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">247 AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">27 MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2ND CHANCE AUTO OF ALABAMA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">31-W AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">360 MOTOR CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4042 MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4042 MOTORSPORTS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">44 AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5 POINTS AUTO MASTERS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5 STAR AUTO PLEX </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5 STAR AUTO PLEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5 STAR INDY AUTO LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A &amp; D MOTORS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A &amp; K WHOLESALER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A &amp; S AUTO AND TRUCK SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A 2 Z AUTOS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A PLUS CAR SALES&nbsp;&amp; RENTALS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A.R.J.&#146;S AUTO
SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A.Z. AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A1 MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AAA AUTO WHOLESALE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AACC AUTO CAR SALES, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ABBY&#146;S AUTOS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ABC AUTO TRADE USA, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ABRAHAM AUTOS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACCU-CAR EXPO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACCURATE AUTO GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACCURATE AUTOMOTIVE OF </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACE MOTOR GROUP LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACES AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACTION AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACTION MOTORS, INC.
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACTIVE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACURA OF GAINSVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ACURA OF ORANGE PARK </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADAM AUTO GROUP INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADAM RUE AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADAMS AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADAMSON FORD LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADVANCE AUTO WHOLESALE, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADVANCED AUTO BROKERS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADVENTURE STORE X4 LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ADVENTURE SUBARU LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AFFORDABLE AUTO MOTORS, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AFFORDABLE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AFFORDABLE USED CARS&nbsp;&amp; TRUCKS
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AJ&#146;S AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AJ&#146;S AUTO IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AK IMPORTS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AL PIEMONTE SUZUKI INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALEXIS MOTORCAR LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALFA AUTO MALL LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL ABOUT AUTO&#146;S INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL AMERICAN AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL AMERICAN AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL AMERICAN MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL CREDIT AUTO FINANCE, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL MAKES AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL SEASON AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALL STAR DODGE CHRYSLER JEEP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALLAN VIGIL FORD </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALLSTATE LEASING&nbsp;&amp; SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALLURE AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALM MALL OF GEORGIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALPHA MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AL&#146;S AUTO MART </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALTAMAHA MOTORS LLC
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ALTERNATIVES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMERICAN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMERICAN AUTO SALES WHOLESALE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMERICAN MOTOR GROUP OF </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMERICAN SALES&nbsp;&amp; LEASING INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMERIFIRST AUTO CENTER,
INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMG AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AMS CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANDERSON MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANDY MOHR FORD, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANDY MOHR NISSAN, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANDYS AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANSWER ONE MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANTHONY PONTIAC GMC BUICK INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANTHONY UNDERWOOD AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANTHONY WAYNE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ANY CAR USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">APPLE FINANCE CO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">APPROVAL AUTO CREDIT INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">APPROVED AUTOS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AR MOTORSPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARAK AUTO SALES&nbsp;&amp; SERVICES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARC AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARCADIA CREEK AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARCHER AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARENA AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARES FINANCIAL SERVICES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARI MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARIA AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARLA&#146;S USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARMANDOS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ARMSTRONG FORD OF HOMESTEAD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ART MOEHN CHEVROLET, CO. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A&#146;S USED CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ASANKA CARS.COM </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ASHEBORO NISSAN, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATA TRUCK&nbsp;&amp; AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATCHINSON FORD SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATL AUTOS .COM </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTA AUTO BROKERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTA AUTOMOTIVE GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTA BEST CARS INC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTA LUXURY MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTA USED CARS CENTER, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLANTIS RENT A CAR AND </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ATLAS AUTOPLEX </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUCTION DIRECT AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUCTION DIRECT USA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUFFENBERG USED CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AURORA MOTOR CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO AMERICA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO BANK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO BOUTIQUE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO BRIGHT AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO BUY CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CENTER OF GREER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CENTERS ST CHARLES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CENTRAL SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CITY AT CLAYTON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CITY LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CLUB OF MIAMI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CLUB OF SOUTHWEST FLORIDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CONNECTION JAX LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CREDIT&nbsp;&amp; FINANCE CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO CREDIT CONNECTION, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO DEALER SOLUTIONS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO DIRECT COLUMBUS OH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO DIRECT PRE-OWNED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO ELITE DFW </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO ENTERPRISE CO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE OF CENTRAL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE USA CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO EXPO HOUSTON </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO EXPRESS ENTERPRISE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO FINANCE OF TAMPA INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO FINDERS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO GLOBAL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO GROUP USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO HUB PLUS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO JUNCTION LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO KINGS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO LIAISON INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO LIBERTY OF ARLINGTON
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO LINE, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO LIQUIDATORS OF TAMPA, INC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO MALL OF TAMPA INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO MART OF PASCO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO MASTERS AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO MAX TOLEDO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO MEGA STORE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO NATIONS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO NETWORK OF THE TRIAD LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO NETWORK, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO OPTION LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PASS SALES&nbsp;&amp; SERVICE CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PLANET II INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PLAZA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PLAZA INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PLAZA MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PLAZA USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO POINT USED CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PROFESSION CAR SALES 2 </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO PROFESSIONAL CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO RITE, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SALES OF WINTER GARDEN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SALES USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SEARCH ONE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SELECT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SELECT INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SELECTION OF CHARLOTTE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUTO SHOWCASE </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB KING&#146;S MAZDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB MAXEY FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB MAXEY LINCOLN-MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB PFORTE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB PULTE CHEVROLET GEO, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOB STEELE CHEVROLET INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOBB DUNN FORD, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOBB SUZUKI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOBBY LAYMAN CHEVROLET, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOBBY MURRAY TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOLUFE ENTERPRISES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOMMARITO CHEVROLET MAZDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOOMERS TRUCKS&nbsp;&amp; SUVS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BORCHERDING ENTERPRISE, INC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BORN FREE SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOWMAN AUTOMOTIVE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRADLEY CHEVROLET, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRAD&#146;S USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRADYS AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRAMAN HONDA OF PALM BEACH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRAMLETT PONTIAC INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRANDT AUTO BROKERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRANNAN AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRAZIL AUTO MALL INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRECKENRIDGE MOTORS EAST LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BREVARD VALUE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRIDGEVIEW AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRIGGS KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROCKMAN AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROGS AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROMAR LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRONDES FORD MAUMEE LTD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROOKS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROTHERS CHEVROLET OLDSMOBILE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROWARD AUTO WHOLESALE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BROWN&#146;S AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRYANT AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUCKEYE CHRYSLER JEEP DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUCKEYE FORD LINCOLN MERC OF O </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUCKEYE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUCKEYE NISSAN, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUD LAWRENCE INC
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUDGET CAR SALES&nbsp;&amp; RENTALS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUDGET MOTORCARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BURL&#146;S USED CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BURNS AUTO MART LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BURNWORTH ZOLLARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUSH AUTO PLACE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUTLER KIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUY IT RIGHT AUTO SALES #1 INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUY IT RIGHT AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUY NOW AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUY RIGHT AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUYERS CHOICE AUTO CENTER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUYING ALL CARS.COM </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BUZZ KARZ LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERLY FORD-NISSAN, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERS CHEVROLET LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERS DELAWARE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERS DELAWARE AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERS IMPORTS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BYERS KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">C &amp; J AUTO WORLD LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">C &amp; N AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">C &amp; S SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">C&amp;H AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">C.W. MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CADILLAC OF NOVI INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CALHOUN AUTO OUTLET, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CALIFORNIA AUTO CONNECTION INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CALVARY CARS&nbsp;&amp; SERVICE, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAMARENA AUTO, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CANNON BUICK-MITSUBISHI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL AUTO SPORTS CENTER LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL AUTOMOTIVE SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL BUICK PONTIAC GMC LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL CITY IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITAL ONE AUTO GROUP LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAPITOL AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR BAZAAR INC OF FRANKLIN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR BIZ LLC
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR BIZ OF TENNESSEE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR BOSS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CENTRAL </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CHOICE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CHOICE ENTERPRISE II INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CITY USA LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR COLLECTINO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR COLLECTION OF TAMPA INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CONNECTION INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR COUNTRY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR CREDIT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR DEPOT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR EX AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR FACTORY OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR LEGENDS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR MART FL.COM </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR NATION </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR NATION LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR POINT OF ORLANDO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR SMART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR SMILE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR SOURCE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR SOURCE, LLC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR SPOT OF CENTRAL FLORIDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR TOWN KIA USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR WHOLESALERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR XPRESS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR ZONE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAR ZONE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARCITY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARDINAL MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARDIRECT LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARENA MOTORS, CO. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAREY PAUL HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARISMA AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARITE OF FT MYERS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARL GREGORY CHRYSLER-DODGE- </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARL STONE AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMA AUTOMOTIVE GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMART AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMART AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMART AUTO SALES INC
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMART USA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARMEL MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARNATION LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAROLINA AUTO EXCHANGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAROLINA AUTO SALEZ LLC 1 </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAROLINA AUTO SPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARPLEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARPLUS AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARPORT SALES&nbsp;&amp; LEASING, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARRICK&#146;S LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARROLLTON MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS&nbsp;&amp; CREDIT OF FLORIDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS 4 YOU LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS CARS CARS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS GONE WILD II LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS KONNECT INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS N CARS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS OF SARASOTA LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS PLUS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS TO GO AUTO SALES AND </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS TRUCKS&nbsp;&amp; CREDIT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS UNLIMITED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARS.COM CARS&nbsp;&amp; TRUCKS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARSMART AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARSMART, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARTROPIX </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARZ4LESS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CARZONE USA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAS SALES&nbsp;&amp; RENTALS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CASCADE AUTO GROUP, LTD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CASH&nbsp;&amp; DASH AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CASINO AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CASTLE BUICK GMC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CAVALIER AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CC MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CC MOTORS INCORPORATED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CD S AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CECIL CLARK CHEVROLET,INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CEDARCREST AUTO BROKERS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CENTRAL FLORIDA EXPORTS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CENTRAL MOTOR WERKS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CERTIFIED AUTO CENTER
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHAMPION CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHAMPION CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHAMPION OF DECATUR, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHAMPION PREFERRED AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHAMPS AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHARLES BARKER PREOWNED OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHARLOTTE MOTOR CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHASE AUTO GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHATHAM PARKWAY TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHECKERED FLAG HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHEIFS WHOLESALE AUTOS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHERRY ROAD AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHEVROLET OF SPARTANBURG </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHICAGO AUTO DEPOT INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHICAGO MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHIEFLAND FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHIPINQUE AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHOICE AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRIS BROOKS MOTORSPORTS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRIS CARROLL AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRIS LEITH AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRIS SPEARS PRESTIGE AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRYSLER DODGE JEEP RAM OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRYSLER JEEP AT POSNER PARK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHRYSLER JEEP OF DAYTON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CINCINNATI USED AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CIRCLE CITY ENTERPRISES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY HYUNDAI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY MITSUBISHI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY STYLE IMPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY TO CITY AUTO SALES, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY USED CARS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CITY WIDE AUTO CREDIT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CJ&#146;S AUTO STORE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLARK CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLARK&#146;S SUNSHINE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLARKSVILLE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLASSIC AUTO GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLASSIC AUTOHAUS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLASSIC BUICK OLDSMOBILE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLASSIC CHEVROLET SUGAR LAND
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLASSIC MOTOR GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLAY COOLEY TOYOTA OF HAZELWOO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLEAN MOTORS OF ORLANDO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLEVELAND AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLICK SELECT AUTO SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CLIFF&nbsp;&amp; SONS AUTO SALES
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COASTAL AUTO GROUP INC. DBA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COASTAL CHEVROLET, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COBB&#146;S CAR COMPANY INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COBB&#146;S CAR COMPANY INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COBRA SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COCONUT CREEK HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COLE FORD LINCOLN LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COLON AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COLUMBUS AUTO RESALE, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COLUMBUS AUTO SOURCE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COLUMBUS CAR TRADER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COMBS&nbsp;&amp; CO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COMMONWEALTH DODGE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COMMUNITY AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COMPASS MOTORS OF ANDERSON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CONCOURS AUTO SALES, INC. </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COOK&nbsp;&amp; REEVES CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COOK MOTOR COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COOPERATIVE AUTO BROKERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COPELAND MOTOR COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CORAL WAY AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CORLEW CHEVROLET CADILLAC OLDM </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CORPORATE CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CORPORATE FLEET MANAGEMENT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUCH MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUGHLIN AUTOMOTIVE- PATASKALA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUGHLIN FORD- JOHNSTOWN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUGHLIN FORD OF CIRCLEVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUNTRY HILL MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUNTRY HILL MOTORS, INC.
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COUNTY MOTOR CO., INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY CHRYSLER JEEP DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY NISSAN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY PALM HARBOR HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COURTESY TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COX AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COX CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">COYLE CHEVROLET </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CREDIT SOLUTION AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRENCOR LEASING&nbsp;&amp; SALES
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRM MOTORS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRONIC CHEVROLET OLDSMOBILE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRONIC CHEVROLET, OLDSMOBILE- </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSS AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSS KEYS AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSS MOTORS CORPORATION </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSS STATE MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSSROADS AUTO MART INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROSSROADS AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN ACURA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN AUDI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN AUTO SALES AND FINANCE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN BUICK GMC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN HONDA </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CROWN NISSAN GREENVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRUISER AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CRYSTAL LAKE CHRYSLER JEEP INC </P>
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</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAILEYS USED CAR SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAN CUMMINS CHV BUICK PONTIAC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DANNY MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DARCARS WESTSIDE PRE-OWNED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAS AUTOHAUS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAVE GILL PONTIAC GMC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAVE SINCLAIR LINCOLN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAVES JACKSON NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAVID SMITH AUTOLAND, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAWSON&#146;S AUTO&nbsp;&amp; CYCLE
LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAWSONS AUTO&nbsp;&amp; TRUCK SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DAYTON ANDREWS
INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DBA AUTONATION CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEACON JONES AUTO PARK </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEALS FOR WHEELS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEALS ON WHEELS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEALZ AUTO TRADE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEALZ ON WHEELZ LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEAN SELLERS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DECENT RIDE.COM </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEECO&#146;S AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEEP SOUTH SPECIALTIES LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DEPUE AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DESTINYS AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DFW AUTO FINANCE AND SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIAMOND K MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DICK BROOKS HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DICK DEAN ECONOMY CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DICK MASHETER FORD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DICK NORRIS BUICK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DICK SCOTT DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIMMITT CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIRECT AUTO EXCHANGE, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIRECT AUTO SALES
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIRECT SALES&nbsp;&amp; LEASING </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DISCOUNT AUTO MART INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DISCOUNT CARS OF MARIANNA INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DISCOVERY AUTO CENTER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIXIE IMPORT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DIXIE WAY MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DM MOTORS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DODGE OF ANTIOCH INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DOGWOOD AUTO WORKS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON AYERS PONTIAC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON BROWN CHEVROLET, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON FRANKLIN FORD, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON HERRING MITSUBISHI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON HINDS FORD, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON JACKSON CHRYSLER DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON MARSHALL CHYSLER CENTER </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON REID FORD INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DON SITTS AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DONLEY FORD LINCOLN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DORAL CARS OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DOUGLAS AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DOUG&#146;S AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DOWNTOWN BEDFORD AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DOWNTOWN HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRAKE MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DREAM CAR 4 U OF LAKELAND, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVE NOW AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVE OUT AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVE WITH PRIDE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVEMAX, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVEN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVEN AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVER SEAT AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVERIGHT AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVERS WORLD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DRIVEWAYCARS.COM </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DUBLIN CADILLAC NISSAN GMC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DULUTH AUTO EXCHANGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DUNN CHEVROLET OLDS INC.
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DURAN MOTOR SPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DURHAM MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DURHAMS AUTO MART </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DUTCH ISHMAEL CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DUVAL CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DUVAL FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DYNAMIC AUTO WHOLESALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DYNAMIC MOTOR COMPANY LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DYNASTY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E &amp; R AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E AUTO BROKERS OF FLORIDA INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E AUTO SOLUTIONS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E CAR SUPERSTORE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E Z PAY AUTO SALE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAGLE CAR&nbsp;&amp; TRUCK INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAGLE ONE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASLEY MITSUBISHI&#146;S THE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAST ANDERSON AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAST BEACH AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAST LAKE AUTO SALES INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EAST LIMESTONE AUTOPLEX INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASTERN AUTO SALES NC LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASTERN SHORE AUTO BROKERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASTGATE MOTORCARS, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASTPOINTE AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EASY AUTO AND TRUCK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ECONO AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ECONOMIC AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ECONOMY MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED KOEHN FORD OF WAYLAND </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED MORSE AUTO PLAZA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED MORSE MAZDA LAKELAND </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED NAPLETON OAK LAWN IMPORTS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED TILLMAN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED VOYLES HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED VOYLES HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ED VOYLES KIA OF CHAMBLEE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDDIE ANDRESON MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDDIE MERCER AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDEN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDGE AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDGE AUTO
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDGE MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EDWARDS CHEVROLET CO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EJ&#146;S AUTO WORLD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EJ&#146;S QUALITY AUTO SALES, INC.
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELEPHANT AUTOGROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE AUTO SALES OF ORLANDO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE AUTO SOLUTIONS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE AUTO WHOLESALE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE AUTOMALL LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE IMPORTS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE LEVEL AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE MOTOR MALL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELITE MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ELYRIA BUDGET AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EMJ AUTOMOTIVE REMARKETING </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EMPIRE AUTO GALLERY CORPORATIO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EMPIRE AUTO SALES&nbsp;&amp;
SERVICE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EMPIRE AUTOMOTIVE GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EMPIRE EXOTIC MOTORS, INC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENCINOMAN INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE CAR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE CAR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE LEASING COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ENTERPRISE LEASING COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EON AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ERNEST MOTORS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ERNIE PATTI AUTO LEASING&nbsp;&amp; </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ETTLESON HYUNDAI LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EVANS AUTO EXCHANGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EVANS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EVOLUTION CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXCEL AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXCEL MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXCELLENCE AUTO DIRECT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXCLUSIVE AUTO WHOLESALE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXCLUSIVE MOTOR CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXECUTIVE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXECUTIVE CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXECUTIVE MOTORS
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXOTIC MOTORCARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXPRESS AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXPRESS CAR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXPRESS MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXPRESS MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXTREME DODGE DODGE TRUCK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXTREME WINDOW TINTING SIGNS&nbsp;&amp; </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EZ CAR CONNECTION LLC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E-Z CAR CREDIT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">F4 MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FACIDEAL AUTO CENTER INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FACTORY DIRECT AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FAIRLANE FORD SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FAITH MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FAMILY AUTO CENTER AND SERVICE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FAMILY KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FANELLIS AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FANTASY AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FASTLANE AUTO CREDIT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FAT SACK MOTORS, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FATHER&nbsp;&amp; SON AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FENTON NISSAN OF LEE&#146;S
SUMMIT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FERCO MOTORS CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FERMAN CHRYSLER JEEP DODGE AT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FERMAN FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FERMAN NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIAT OF CREVE COEUR </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIAT OF SAVANNAH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIAT OF SOUTH ATLANTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIAT OF WINTER HAVEN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FINAST AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIREHOUSE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRKINS C.P.J.S. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST AUTO CREDIT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST CHOICE AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST CLASS AUTO CHOICE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST CLASS AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST CLASS MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST COAST AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST PLACE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST STOP AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST UNION AUTOMOTIVE LLC
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FISHER AUTO&nbsp;&amp; RV SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FITZGERALD MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STAR AUTO SALES OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STAR AUTOS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STAR CAR&nbsp;&amp; TRUCK </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STAR CHEVROLET CADILLAC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STAR FORD STONE MOUNTAIN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIVE STARS SPORT CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLAMINGO AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLAMMER FORD OF SPRINGHILL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLEET EXCHANGE INCORPORATED </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLETCHER CHRYSLER PRODUCTS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORENCE AUTO MART INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA AUTO EXCHANGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA AUTO SALES AND REPAIR </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA AUTO XCHANGE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA CARS USA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLORIDA TRUCK SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLOW HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FLOW MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FMC AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FOOTHILL FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORMULA ONE IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORT MYERS TOYOTA INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORT PIERCE MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORT WALTON BEACH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORT WAYNE AUTO CONNECTION LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FORTUNE MOTOR GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FOX MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRANCO AUTO MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRANK LETA AUTOMOTIVE OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRANK MYERS AUTO SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRANKLIN STREET MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRED ANDERSON KIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRED ANDERSON NISSAN OF RALEIG </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRED MARTIN FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FREEDOM AUTOMOTIVE GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRENSLEY CHRYSLER PLYMOUTH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRIENDLY FINANCE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRITZ ASSOCIATES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FRONTIER MOTORS INC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FROST MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FUSION AUTOPLEX LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FUTURE AUTO IMPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G &amp; J MOTORSPORTS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G &amp; L MOTORS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G &amp; R AUTO SALES CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G BROTHERS AUTO BROKERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G E A AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GAINESVILLE AUTO KI LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GAINESVILLE DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GAINESVILLE MITSUBISHI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GALEANA CHRYSLER PLYMOUTH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GANLEY BEDFORD IMPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GANLEY CHEVROLET, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GANLEY CHRYSLER JEEP DODGE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GANLEY LINCOLN MERCURY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GARLAND NISSAN LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GASTONIA CHRYSLER JEEP DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GASTONIA NISSAN, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATES CHEV PONT GMC BUICK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATEWAY AUTO PLAZA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATEWAY BUICK GMC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATEWAY MOTORS OF TAMPA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATOR CHRYSLER-PLYMOUTH, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GATOR CITY MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GE MOTORS 1 LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GENERAL AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GENESIS AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GENESIS OF SUMMERVILLE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEN-X CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEOFF ROGERS AUTOPLEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEOFF ROGERS AUTOPLEX NORTH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGE NAHAS CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGE WEBER CHEVROLET CO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGETOWN AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGIA AUTO WORLD LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGIA CHRYSLER DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GEORGIA IMPORT AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GERALDA AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GERMAIN NISSAN OF ALBANY, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GERMAIN TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GERMAIN TOYOTA
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GETTEL HYUNDAI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GETTEL TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GINN MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GISELLE MOTORS, CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLADDING CHEVROLET, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLADSTONE AUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLEN BURNIE AUTO EXCHANGE, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLENBROOK DODGE, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLOBAL 1 AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLOBAL AUTO LEASING LLC CIRCLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLOBAL PRE-OWNED INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLOBE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GLOVER AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GMOTORCARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GMT AUTO SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GO! AUTO STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GODZILLA MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOLD KEY AUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOLD RUSH REMARKETING </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOLDEN GATE AUTOMOTIVE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOLDEN OLDIES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOLLING CHRYSLER JEEP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD BAD NO CREDIT AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD CARMA MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD RIDES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GOOD TO GO AUTO SALES, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GR MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRACE AUTOMOTIVE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRAHAM MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRAINGER NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRANT CAR CONCEPTS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRANT MOTORS CORP. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRAVITY AUTOS ATLANTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRAVITY AUTOS ROSWELL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREAT BRIDGE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREAT LAKES CHEVROLET BUICK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREAT LAKES CHRYSLER DODGE JEE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREAT LAKES HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREEN AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREEN LIGHT CAR SALES
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREENBRIER DODGE OF CHES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREEN&#146;S TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREER NISSAN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREG COATS CARS AND TRUCKS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREG SWEET CHEVY BUICK OLDS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREG SWEET FORD INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GREGS COMPLETE AUTO REPAIR AND </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRIFFIN FORD SALES, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GRIMALDI AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GROTE AUTOMOTIVE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GROW AUTO FINANCIAL INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GROW AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G&#146;S AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GUARANTEED CARS&nbsp;&amp; CREDIT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GULF ATLANTIC WHOLESALE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GULF COAST AUTO BROKERS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GULF SOUTH AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GULFSIDE MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GWINNETT MITSUBISHI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GWINNETT PLACE NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">GWINNETT SUZUKI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">H &amp; H AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">H &amp; H AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">H GROUP AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">H&amp;M AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAGGERTY BUICK GMC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAIMS MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAIMS MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HALE OF A DEAL AUTO GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HALEY TOYOTA CERTIFIED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HALO AUTOSPORTS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAMILTON CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAMMCO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HANNA IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HANSELMAN AUTO SALES INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAPPY AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAPPY CARS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAPPY HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARBOR CITY AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARBOR NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARDIE&#146;S USED CARS, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARDIN COUNTY HONDA
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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARDY CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARDY CHEVROLET INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARRIET SALLEY AUTO GROUP LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HARRIGANS AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HATCHER&#146;S AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HATFIELD USED CAR CENTER </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HAVANA FORD INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HEADQUARTER HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HEADQUARTER TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HEADQUARTERS AUTO GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HEB AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENDERSONVILLE AUTO BROKERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENDRICK CHEVROLET LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENDRICK CHRYSLER DODGE JEEP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENDRICK HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENKUIS MOTORSPORTS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENNESSY FORD LINCOLN ATLANTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HENNESSY MAZDA PONTIAC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HERITAGE AUTOMOTIVE GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HERITAGE NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HERRINGTON AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HI LINE IMPORTS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIALEAH MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIGH POINT IMPORTS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIGH Q AUTOMOTIVE CONSULTING </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIGH QUALITY AUTO SALES, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIGHESTCASHFORCARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HIGHLINE IMPORTS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILL&nbsp;&amp; HILL AUTOMOTIVE SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILL KELLY DODGE, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILLMAN MOTORS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILLTOP MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILLWOOD AUTO SALES&nbsp;&amp; SERVICE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HILTON HEAD NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HINESVILLE FORD COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOBSON CHEVROLET BUICK GMC LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOLLYWOOD CHRYSLER PLYMOUTH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOLLYWOOD MOTOR CO #1 </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOLLYWOOD MOTOR CO #3 </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOLLYWOOD MOTOR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOMESTEAD MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA CARS OF BRADENTON
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA MARYSVILLE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF CONYERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF FRONTENAC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF GAINESVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF MUFREESBORO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF OCALA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONDA OF TIFFANY SPRINGS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HONEYCUTT&#146;S AUTO SALES, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOSH&#146;S AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOSIER AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOVER AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOVER CHRYSLER PLYMOUTH DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOVER MITSUBISHI CHARLESTON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOOVER THE MOVER CAR AND </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HORACE G ILDERTON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOUSTON AUTO EMPORIUM </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOUSTON CAR SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOUSTON DIRECT AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOWARD AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HT MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER AUTO PLAZA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER FINANCE CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER FORD LINCOLN MERCURY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER MAZDA SOUTH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUBLER NISSAN, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUFFINES CHRYSLER JEEP DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUGH WHITE HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUGH WILLIAMS AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUNT AUTOMOTIVE, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUNTER NISSAN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUSTON BUICK GMC CADILLAC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HUSTON MOTORS INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HVS CAPITAL GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HWY 150 BUYERS WAY, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HY-TECH AUTO SALE AND EXPORT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HYUNDAI OF GREER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HYUNDAI OF NEW PORT RICHEY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HYUNDAI OF NICHOLASVILLE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HYUNDIA OF ORANGE PARK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I 95 TOYOTA&nbsp;&amp; SCION </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I GOT A DEAL USED CARS
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I-80 AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IAUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IDEAL USED CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IDRIVE FINANCIAL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMAGINE CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMAGINE POWERSPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMPERIAL MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMPERIAL SALES&nbsp;&amp; LEASING INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMPEX AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMPORT AUTO BROKERS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IMPORT&#146;S LTD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INCREDIBLE AUTO BROKERS AND </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INDEPENDENCE AUTO SOLUTIONS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INDIAN RIVER LEASING CO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INDY AUTO LAND LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INDY AUTO MAN LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INFINITI OF COLUMBUS, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INLINE AUTO SALE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTEGRITY MOTORS RVA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTEGRITY OF CHICAGO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTERNATIONAL AUTO OUTLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTERNATIONAL AUTO WHOLESALERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTERNATIONAL AUTOMOBILES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">INTERNATIONAL MOTORS CO. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IONADI AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IPS MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IVORY CHEVROLET, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J &amp; B AUTO GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J &amp; C AFFORDABLE CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J &amp; J MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J &amp; L AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J &amp; M AFFORDABLE AUTO, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J D MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J&amp;M AUTOMOBILES CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.R. WHOLESALE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK DEMMER FORD, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK KAIN FORD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK MAXTON CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK MAXTON CHEVROLET, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK MAXTON USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK MILLER AUTO PLAZA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK MILLER KIA
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACKIE MURPHY&#146;S USED CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK&#146;S USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACK-SON AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAKE SWEENEY KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAKMAX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JANSON AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JARRARD PRE-OWNED VEHICLES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JARRETT GORDON FORD INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JARRETT-GORDON FORD OF WINTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAX AUTO WHOLESALE, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAX EXPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAY PONTIAC BUICK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAY WOLFE AUTO OUTLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAY WOLFE HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JAZCARS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JC AUTO MARKET LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JDF AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFF DRENNEN FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFF WYLER CHEVROLET OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFF WYLER DIXIE HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFFERSON CHEVROLET CO. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFFREY P. HYDER </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEFFREYS AUTO EXCHANGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEMS AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENKINS ACURA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENKINS HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENKINS MAZDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENKINS NISSAN, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENO AUTOPLEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JENROC AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEREMIAH&#146;S RIDES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JEREMY FRANKLINS SUZUKI OF KAN </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIDD MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIM BURKE NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIM BUTLER AUTO PLAZA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIM M LADY OLDSMOBILE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIM ORR AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIMMY KAVADAS YOUR CREDIT MAN
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JIMMY SMITH PONTIAC BUICK GMC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JK AUTOMOTIVE GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JKB AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JMC AUTO BROKERS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOE RICCI AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOEY BLASINGAME AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHN BELL USED CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHN BLEAKLEY FORD </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHN JONES AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHN SNYDER AUTO MART, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHN WEISS TOYOTA SCION OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHNNY WRIGHT AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOHNNYS MOTOR CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JORDAN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOSEPH MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOSEPH TOYOTA INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JOSES AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JP POWERCARS CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JPL AUTO EMPIRE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JT AUTO INC. </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JV AUTO WHOLESALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">K &amp; M MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">K &amp; M SUZUKI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">K &amp; O AUTO WHOLE SALE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">K B AUTO EMPORIUM </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">K J N S ENTERPRISE LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KALER LEASING SERVICES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KAR SELECT </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KEMET AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KENDALL TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KENNYS AUTO SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KEN&#146;S AUTOS </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIA OF LEESBURG </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIA OF NORTH GRAND RAPIDS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIA TOWN CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KILBURN MOTOR COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIM GRAHAM MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIMP AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIN FOLK AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KING AUTOMOTIVE, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KING BROTHERS USED CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KING MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KING SUZUKI OF HICKORY LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGDOM CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS AUTO GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS AUTO SALES, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS FORD, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS HONDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS MAZDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGS OF QUALITY AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KINGSWAY MOTOR CO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KIRTLAND CAR COMPANY, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KKS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KLASSIC CARS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KMAX INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KNE MOTORS, INC.
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KNH WHOLESALE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KNOX BUDGET CAR SALES&nbsp;&amp; RENTAL </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KUHN HONDA VOLKSWAGON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KUNES COUNTRY CHEVROLET </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LA AUTO STAR, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LAFONTAINE AUTO GROUP </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LAKESIDE MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LALLY ORANGE BUICK PONTIAC GMC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LATIN MOTORS INTERNATIONAL LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LAW AUTO SALES, INC
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LAWRENCE MOTORSPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LCA AUTO WHOLESALES, LTD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEBANON FORD LINCOLN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEE KIA OF GREENVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEE&#146;S AUTO SALES, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEES SUMMIT DODGE CHRYSLER JEE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEE&#146;S SUMMIT HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEES SUMMIT SUBARU LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY AUTO BROKERS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY AUTOS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY FORD MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEGACY TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEOPARDI AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LEVEL UP AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LGE CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTY FORD LINCOLN MERC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTY FORD SOUTHWEST, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTY FORD, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTY MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTY USED MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIBERTYVILLE CHEVROLET LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIFESTYLE MOTOR GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIGHTHOUSE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LIONS MOTORS CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LJ USED CARS INC 2 </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LMN AUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOCKHART CADILLAC INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOKEY NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LONDOFF JOHNNY CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LONESTAR MOTOR </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LONGSTREET AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOT 1 AUTO SALES LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOU SOBH AUTOMOTIVE OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOU SOBH KIA </P>
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOWPRICE AUTO MART LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LUCKY DOGS CREDIT&nbsp;&amp; CARS LLC
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LUXURY AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LUXURY CARS&nbsp;&amp; FINANCIAL, INC.
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LYNNHAVEN MOTOR COMPANY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M &amp; M AUTO SUPER STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M &amp; M AUTO WHOLESALERS, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M &amp; M AUTO, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M &amp; M MOTORS OF ROCK HILL INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M &amp; S AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAC HAIK CHRYSLER DODGE JEEP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAC HAIK PRE-OWNED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MACHADO AUTO SELL LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MACON AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MADISON AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MADISON COUNTY FORD LINC MERC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAGIC IMPORTS OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAGIC MOTORS CENTER </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAGIC MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAHER CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAINLAND AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAINSTREAM AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAJESTIC AUTOS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MALCOLM CUNNINGHAM HYUNDAI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MALOY AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MANASSAS AUTOMOBILE GALLERY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARANATHA AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARANATHA AUTO, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARCH MOTORS INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARCHANT CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARIANNA MOTOR CO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARIETTA AUTO SALES
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARIETTA LUXURY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARK THOMAS FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARKAL MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARLOZ OF HIGH POINT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARTIN COACHWORKS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARTIN&#146;S AUTO BROKERS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARTINS USED CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MARVIN MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MASTER AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MASTER CAR INTERNATIONAL, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MASTER CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MASTER CARS CO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MATHEWS FORD INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MATHEWS FORD OREGON, INC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAX MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAXIE PRICE CHEVROLETS OLDS, </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAXIMUM DEALS, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAYSVILLE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAYSVILLE PREMIER AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAZDA OF ROSWELL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MAZDA SAAB OF BEDFORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCADENVILLE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCCLUSKY&#146;S CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCCORMICK MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCDANIELS ACURA OF CHARLESTON </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCFARLAND CHEVROLET-BUICK, INC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCGHEE AUTO SALES INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCHUGH INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCINERNEYS WOODHAVEN CHRYSLER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCJ AUTO SALES OF CENTRAL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCKENNEY CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCKENZIE MOTOR COMPANY, INC, </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCLYMONT AFFORDABLE LUXURY AUT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCNEILL NISSAN OF WILKESBORO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MCPHAILS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEACH AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MECHANICSVILLE TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEDINA AUTO BROKERS
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEDLIN BUICK GMC MAZDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEGA AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MELRAY MOTORS CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MELROSE AUTO OUTLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEMBERS SALES AND LEASING INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEMORIAL HWY AUTO SALES AND </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">METRO IMPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">METRO USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MGM AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MI AUTO CENTER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIA ON WHEELS CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIA REPOS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI AUTO LIQUIDATORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI AUTO SHOW LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI AUTO WHOLESALE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI CARS INTERNATIONAL INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI EMPIRE AUTO SALES CORP </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MICHAEL&#146;S MOTOR CO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID AMERICA AUTO EXCHANGE INC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID FLORIDA WHOLESALERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID LAKE MOTORS INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID RIVERS MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDCITY AUTO&nbsp;&amp; TRUCK EXCHANGE </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDFIELD MOTOR COMPANY, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID-TOWN MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDTOWN MOTORS OF RALEIGH LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MID-TOWNE AUTO CENTER, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWAY AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWAY AUTOGROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST AUTO DIRECT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST AUTO GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST AUTO MART LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST AUTO STORE LLC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST FINANCIAL SERVICES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST MOTORS&nbsp;&amp; TIRES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWEST MOTORSPORT
SALES&nbsp;&amp; </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIDWESTERN AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIGENTE MOTORS
INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIGHTY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKANO AUTO SALES, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE ANDERSON USED CAR SUPER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE BASS FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE BELL CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE CASTRUCCI CHEVY OLDS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE CASTRUCCI FORD OF ALEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE CASTRUCCI FORD SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE KEFFER CHRYSLER DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE PRUITT HONDA INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE SHAD FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKE WILSON CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIKES TRUCKS AND CARS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILES AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILESTONE MOTORS, L.L.C. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILLENIUM AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILTON MARTIN HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MINT AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MINT AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MINTON MOTOR CARS II LP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIRA AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIRACLE CHRYSLER DODGE JEEP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MISSOURI MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MJ AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MK AUTO BROKER INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MMC AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MO AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MODERN CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MODERN HYUNDAI OF CONCORD LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MODERN TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOMENTUM MOTOR GROUP LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MONARCH CAR CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MONROE DODGE/CHRYSLER INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MONROE MOTOR SPORT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MONZON AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOODY AUTO SALES
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOORE NISSAN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOORING AUTOMOTIVE GROUP LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTOR CARS OF STUART </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTOR CITY AUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTOR CITY AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTORCARS </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTORS DRIVEN INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTORS TRUST INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTORSPORTS UNLIMITED INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MOTORVATION MOTOR CARS </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MR AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MR AUTO SALES </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MS AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MULDER AUTO SALES </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MURPHY&#146;S AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MURRAY&#146;S USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MUSIC CITY AUTOPLEX LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MWS WHOLESALE AUTO OUTLET </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MYLENBUSCH AUTO SOURCE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">N &amp; D AUTO SALES, INC. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONAL AUTO CREDIT INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONAL AUTO SALES I LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONAL CAR MART, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONAL MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONAL ROAD AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NATIONWIDE LUXURY CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NAVA MOTORS CORP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NAVARRE AUTO AND PAWN INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NEIL HUFFMAN HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NELSON AUTO SALES </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NORTHERN KY AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NORTHGATE CHRYSLER JEEP INC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OLYMPIC MOTOR CO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ON TRACK AUTO MALL, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ONE SOURCE AUTOS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORANGE PARK AUTO MALL </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORANGE PARK DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORANGE PARK MITSUBISHI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORANGE PARK TRUCKS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORCHARD LAKE MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORLANDO AUTO LOUNGE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ORLANDO AUTOS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OSCAR MOTORS CORPORATION </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OT AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OUR LOCAL DEALER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OV AUTO FARM </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OXMOOR FORD LINCOLN MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OXMOOR MAZDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OXMOOR TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">P &amp; A MOBILITY ENTERPRISES INC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">P S AUTO ENTERPRISES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PACE CAR </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALM BAY FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALM BAY MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALM BEACH AUTO DIRECT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALM BEACH MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALM CHEVROLET OF GAINESVILLE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALMETTO FORD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PALMETTO WHOLESALE MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PAQUET AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARADISE MOTOR SPORTS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARAMOUNT AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARK AUTO MALL, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARKS AUTOMOTIVE, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARKS CHEVROLET, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARKWAY FORD, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PARKWAY MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PATRIOT AUTO INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PATRIOT AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PATRIOT PRE-OWNED AUTOS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PAUL CERAME KIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PAYDAY MOTOR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PAYLESS MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PC AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PCT ENTERPRISES OF FLORIDA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PEGGY&#146;S AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PENLAND AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PENNINGTON AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PENSACOLA AUTO BROKERS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE CHEVROLET BMW </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE CHRYSLER JEEP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE CHRYSLER JEEP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE CHRYSLER JEEP DODG </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE MOTOR COMPANY LLC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PERFORMANCE TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PETE MOORE CHEVROLET, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PETERS AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PFEIFFER LINCOLN MERCURY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PGF AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PHILLIPS BUICK PONTIAC GMC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PHILLIPS CHRYSLER-JEEP, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PHILLIPS TOYOTA
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PHOENIX MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PHOENIX SPECIALTY MOTORS CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PIEMONTES DUNDEE CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PIERSON AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PILES CHEV-OLDS-PONT-BUICK </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PINELLAS MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PINELLAS PARK AUTO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PINEVILLE IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PINNACLE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PITTSBURGH AUTO DEPOT INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLAINFIELD AUTO SALES, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLANET SUZUKI </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLATINA CARS AND TRUCKS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLATINUM AUTO EXCHANGE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLATINUM WHOLESALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLATTE CITY AIRPORT CHRYSLER D </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLATTNER&#146;S </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLAZA AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PLAZA LINCOLN MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">POGUE CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PORT MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PORTAL AUTOMOTIVE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">POWER MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">POWER ON AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">POWERBUY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRADO AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRATHER AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREFERRED AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREFERRED TREATMENT AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO BROKERS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO LOCATORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO MART, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTO SALES OF BAY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTOMOTIVE GROUP INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTOMOTIVE OF BONNER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTOMOTIVE SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER AUTOWORKS SALES&nbsp;&amp; </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER DODGE CHRYSLER JEEP
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIER MOTORCAR GALLERY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIERE MOTOR SPORTS LLC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIUM AUTO EXCHANGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIUM AUTOS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PREMIUM CARS OF MIAMI LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRE-OWNED EXPRESS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESPA AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE AUTO BROKERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE AUTO EXCHANGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE AUTO GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE AUTO MALL </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE AUTO SALES&nbsp;&amp; RENTALS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTIGE ECONOMY CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTON AUTO OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRESTON HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRICE IS RIGHT AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRICE RIGHT STERLING HEIGHTS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRICED RIGHT AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRICED RIGHT AUTO, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRICED RIGHT CARS, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIDE AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIME AUTO EXCHANGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIME CARS&nbsp;&amp; TRUCKS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIME MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIME TIME MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRINCE AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRIORITY HONDA HUNTERSVILLE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRISTINE CARS&nbsp;&amp; TRUCKS INC
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PRO SELECT AUTOS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PROCAR </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PUBLIC AUTO BROKERS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PURE AUTOMOTIVE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Q AUTOMOTIVE BRANDON FL LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Q AUTOMOTIVE FT MYERS FL LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Q MOTORCARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY AUTO BROKERS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY AUTO CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY AUTO SALES OF FL LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY IMPORTS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">QUALITY IMPORTS&nbsp;&amp; CONSIGNMENT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">R &amp; B CAR COMPANY
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">R &amp; M HOLDINGS GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">R &amp; R AUTO SALES AND
REPAIRS </P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RADER CAR CO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAMOS AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAMSEY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RANDY CURNOW AUTO PLAZA/RC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RANDY SHIRKS NORTHPOINTE AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RANKL&nbsp;&amp; RIES MOTORCARS,
INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAP AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAPTOR AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAY CHEVROLET </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAY LAETHEM BUICK GMC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAY PEARMAN LINCOLN MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAY SKILLMAN EASTSIDE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAY SKILLMAN WESTSIDE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAYMOND CHEVROLET KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RCK AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RE BARBER FORD INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REALITY AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REASONABLE AUTO GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RED SHAMROCK LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REGAL MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REGAL PONTIAC, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REGIONAL WHOLESALE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REICHARD BUICK PONTIAC, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REIDSVILLE NISSAN INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REINEKE FORD LINCOLN MERCURY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RENEWIT CAR CARE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REVOLUTION MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REXFORD AUTOMOTIVES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">REYNOLDS AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RHOADES AUTOMOTIVE INCORPORATE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RHODES AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RICART FORD USED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RICE AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RICH AUTO SALES LTD </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SOUTHWEST AUTOMOTIVE (SWAG) </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPACE&nbsp;&amp; ROCKET AUTO SALES
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPACE CITY AUTO CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPARKS MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPARTANBURG CHRYSLER JEEP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPEEDWAY AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPEEDWAY MOTORS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPIRIT CHEVROLET-BUICK INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPITZER AUTOWORLD SHEFFIELD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPITZER DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPITZER KIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPORTS AND IMPORTS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SPORTS CENTER IMPORTS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SRQ AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST GEORGE AUTO BROKERS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST. PETERS AUTO GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STANFIELD AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAN&#146;S CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAR AUTO </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAR AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAR MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARGATE AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARK AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARMOUNT MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARRS CARS AND TRUCKS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATE LINE NISSAN INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATELINE CHRYSLER DODGE JEEP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEARNS MOTORS OF NAPLES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEELY LEASE SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEPHEN A FINN AUTO BROKER
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STERLING AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STERLING AUTOMOTIVE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEVE JOHNSON AUTO WORLD INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEVE RAYMAN CHEVROLET, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEWART AUTO GROUP OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STL CAR CREDIT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES BROWN TOYOTA SCION </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES BROWN TOYOTA SCION </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES HONDA CARS OF BEAUFORT </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES KIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES MAZDA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES USED CAR CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STONE MOUNTAIN NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF KENNESAW LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF PORT RICHEY INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF WICHITA LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBURBAN AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBURBAN CHRYSLER JEEP DODGE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUCCESS AUTO </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUFFIELD MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SULLIVAN BUICK GMC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT AUTO LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT AUTO SALES CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT CITY CHEVROLET, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT PLACE KIA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT PLACE KIA MT. CLEMENS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMTER CARS&nbsp;&amp; TRUCKS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUN HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUN TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUN TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNBELT&#146;S FORD TWON OF ALBANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNCOAST QUALITY CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNDANCE CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY DAY AUTO SALES&nbsp;&amp; SERVICE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY FLORIDA MOTORS,
INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY KING TOYOTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNRISE CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNSET MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNSHINE AUTO BROKERS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP HYUNDAI INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP HYUNDAI WEST INC
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP KIA OF WEST COUNTY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP NISSAN VOLKSWAGEN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER CAR MIAMI LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER DEAL AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR ACURA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR BUICK GMC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR HYUNDAI SOUTH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR MOTORS NORTH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR USED VEHICLES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUSAN SCHEIN CHRYSLER PLYMOUTH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUSKIS AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLAND CHEVROLET INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLIN NISSAN </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLIN NISSAN MALL OF GA. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SVG MOTORS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SW PREMIER MOTOR GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SWANNS RENTAL AND SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SWEENEY BUICK PONTIAC GMC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMERON AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMIAMI FORD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMPA AUTO SOURCE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TARGET AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR AUTO SALES INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR BUICK NISSAN INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR CHEVROLET INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR KIA OF LIMA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR MORGAN INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TD CAR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEAM AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEAM NISSAN OF MARIETTA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TED CIANOS USED CAR CENTER </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEDS AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TENA AUTOMOTIVE LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TENNESSEE AUTO GROUP&nbsp;&amp; LEASING </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TENNYSON CHEVROLET, INC.
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRE HAUTE AUTO AND EQUIPMENT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRY LABONTE CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRY LEE HONDA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TESTAROSSA MOTORS
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS AUTO SAVERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS BAY AREA PRE-OWNED </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS CAPITAL AUTO CREDIT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS CAPITAL AUTO SALES, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS PREOWNED AUTO GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE 3445 CAR STORE, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO BROKER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO GROUP LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO PARK INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO STORE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO WAREHOUSE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTOBLOCK </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE BOULEVARD CAR LOT </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR CABANA OF </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR COMPANY SUZUKI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR CONNECTION, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR GUYS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR MAN LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR SHOPPE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR STORE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR STORE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CHEVY EXCHANGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE LAST FRONTIER AUTOS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE LUXURY AUTOHAUS INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE MONTGOMERY GROUP LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE REPO STORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE RITE CAR </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SUPER AUTO OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE USED CAR FACTORY INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THEE CAR LOT #2 </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THOMAS&nbsp;&amp; SON INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THOMASVILLE TOYOTA </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON CHEVROLET, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON ROAD CHRYSLER DODGE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON ROAD HYUNDAI </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THOROUGHBRED FORD INC
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THREE RIVERS AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THRIFTY CAR SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIDE AUTOS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TILLMAN AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIM FRENCH SUPER STORES, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIM SHORT PREMIERE USED CARS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIM TOMLIN AUTOMOTIVE GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIME TO BUY LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIMS AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TINPUSHER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TK AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TKP AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TKP AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TMR AUTO SALES LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TNT AUTO SALES INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM GILL CHEVROLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM HOLZER FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM TEPE AUTOCENTER INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM WOOD FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM WOOD NISSAN, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOMLINSON MOTOR COMPANY OF </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOMMY&#146;S AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY ON WHEELS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY&#146;S AUTO SALES OF </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY&#146;S AUTO WORLD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP CHOICE AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP NOTCH AUTO BROKERS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP RELIABLE AUTO BROKERS LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOTAL CYCLE CARE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOVI MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY AUTO&nbsp;&amp; TRUCK </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp;
COUNTRY FORD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY FORD, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY MOTORS II </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN CARS AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWNSEND FORD INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWNSEND MOTORS, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWNSENDS MAGNOLIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF ELIZABETH CITY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF GASTONIA </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF GREENVILLE, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF HOLLYWOOD
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF LAKEWOOD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF LOUISVILLE, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF MCDONOUGH </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF MUNCIE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF TAMPA BAY </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA ON NICHOLASVILLE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRADEWINDS MOTOR CENTER </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRADEWINDS MOTOR CENTER LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRAVERS AUTOMOTIVE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI CITY MOTORS SUPERSTORE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI STATE USED AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIAD AUTO GROUP NC LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIAD AUTOPLEX </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI-CITY AUTO MART </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI-COUNTY MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRINITY AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIPLE C CAR CO., INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIPLE E AUTO LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRISTATE AUTOMOTIVE GROUP INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROPICAL AUTO OUTLET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROPICAL AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROY AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROY FORD INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUCK TOWN INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSSVILLE WHOLESALE AUTOS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUST CAPITAL AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUST MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSTED MOTORS LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TUSCALOOSA WHOLESALE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TWIN CITY CARS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TWO OS MOTOR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TX CAR WORLD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TYSON MOTOR GROUP </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. AUTO GROUP, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UCAR, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ULTIMATE IMAGE AUTO, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO BROKERS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO SALES AND
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNLIMITED AUTOMOTIVE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UPSTATE LIL BOYZ TOYZ LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US AUTO SALES AND SERVICE INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US MOTOR SALES LLC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">V &amp; S AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">V &amp; V AUTO CENTER INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VA CARS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VADEN NISSAN OF HILTON HEAD </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VADEN NISSAN, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VAN PAEMEL SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANN YORK BARGAIN CARS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANN YORK PONTIAC BUICK GMC </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VELOCITY MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VENICE MOTORS SECOND, LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VERACITY MOTOR COMPANY LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VERACITY MOTOR COMPANY LLC </P>
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</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VILLAGE AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VILLAGE AUTOMOTIVE </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VIP AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VISION AUTO </P>
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<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WAYNESVILLE AUTO MART </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEB AUTO BROKERS
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<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEBBER AUTOMOTIVE LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEEKS MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEINE AUTO SALES EAST </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEINLE AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WESLEY CHAPEL NISSAN </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST ALABAMA WHOLESALE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST CLAY MOTOR COMPANY LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST END AUTO SALES&nbsp;&amp;
SERVICE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST MAIN MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WESTERN AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WESTERN AVENUE NISSAN INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEELS&nbsp;&amp; DEALS AUTO SALES
</P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEELS MOTOR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITE ALLEN CHEVROLET SUBARU </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITEWATER MOTOR COMPANY INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITEWATER MOTORS INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHOLESALE, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WIDEWORLDOFCARS.NET LLC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILDCAT AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILLETT HONDA SOUTH </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILLS MOTOR SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WIN - WIN AUTO CENTER CORP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WINDY CITY MOTORSPORTS, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WISE MOTORS </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WONDERGEM, INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODBRIDGE MOTORS, INC. </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODY ANDERSON FORD </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODY BUICK GMC INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODY SANDER FORD, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD AUTO NETWORK INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD AUTO, INC. </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD CAR CENTER&nbsp;&amp; FINANCING </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD CLASS MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD KIA JOLIET </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLDWIDE MOTORS LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLEY AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORRY FREE AUTO GROUP, LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOW CAR COMPANY </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WRIGHT&#146;S AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XL1 MOTORSPORTS, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XPRESS AUTO MALL </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XTREME CARS&nbsp;&amp; TRUX LLC
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>DEALER NAME </U></B></P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XTREME MOTORS INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YARK AUTOMOTIVE GROUP, INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YERTON LEASING&nbsp;&amp; AUTO SALES </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YES AUTO SALES INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOU SELECT AUTO SALES LLC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOUR DEAL AUTOMOTIVE </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOUR KAR CO INC </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YPSILANTIS IMPORT AUTO SALES </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z AUTO PLACE </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z IMPORTS SALES&nbsp;&amp; SERVICE INC </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZAPPIA MOTORS </P> <P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZEIGLER CHRYSLER DODGE JEEP </P>
<P STYLE="margin-top:1pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZONEMOTORS COM INC </P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-14
<SEQUENCE>10
<FILENAME>d208905dex14.htm
<DESCRIPTION>CODE OF ETHICS FOR CHIEF EXECUTIVE OFFICER AND SENIOR FINANCIAL OFFICERS
<TEXT>
<HTML><HEAD>
<TITLE>Code of Ethics for Chief Executive Officer and Senior Financial Officers</TITLE>
</HEAD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 14 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CODE OF ETHICS FOR CHIEF EXECUTIVE OFFICER </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AND SENIOR FINANCIAL OFFICERS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas
Financial, Inc. (hereinafter referred to as &#147;Nicholas Financial, Inc.&#148; or the &#147;Company&#148;) requires ethical conduct in the practice of financial management in all aspects of business activities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Nicholas Financial, Inc. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief Executive
Officer, and the Chief Financial Officer, as well as the Senior Vice President of Branch Operations, hold an elevated role in corporate governance and are expected to act in accordance with the highest standards of personal and professional
integrity, to comply with all applicable laws, rules, and regulations, to preserve and protect shareholders&#146; interests, and to abide by the Nicholas Financial, Inc. Code of Business Conduct and Ethics and other policies and procedures adopted
by Nicholas Financial, Inc. that govern the conduct of its employees. This Code of Ethical Conduct is intended to supplement the Nicholas Financial, Inc. Code of Business Conduct and Ethics. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As the Chief Executive Officer, Chief Financial Officer, or Senior Vice President of Branch Operations, I certify to you that I adhere to and advocate the
following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a.</TD>
<TD ALIGN="left" VALIGN="top">Comply with the Company&#146;s internal policies and procedures; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b.</TD>
<TD ALIGN="left" VALIGN="top">Act at all times in accordance with the Company&#146;s Code of Business Conduct and Ethics which has been provided to me and with which I will comply; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c.</TD>
<TD ALIGN="left" VALIGN="top">Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of interest between personal and professional relationships; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">d.</TD>
<TD ALIGN="left" VALIGN="top">Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as documents filed or submitted to the Securities and Exchange Commission, any governmental,
private or public regulatory agency, or used in public communications; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">e.</TD>
<TD ALIGN="left" VALIGN="top">Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate private and public regulatory agencies; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">f.</TD>
<TD ALIGN="left" VALIGN="top">Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or otherwise legally obligated to disclose such information; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">g.</TD>
<TD ALIGN="left" VALIGN="top">Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or allowing my independent judgment to be compromised; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">h.</TD>
<TD ALIGN="left" VALIGN="top">Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">i.</TD>
<TD ALIGN="left" VALIGN="top">Use and control assets and other resources employed or entrusted to my supervision in a responsible manner; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">j.</TD>
<TD ALIGN="left" VALIGN="top">Keep abreast of emerging financial issues and/or skills relevant to shareholders and other constituents and share such knowledge with my peers; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">k.</TD>
<TD ALIGN="left" VALIGN="top">Promptly report any possible violation of this Code to the Nominating and Corporate Governance Committee of the Nicholas Financial, Inc. Board of Directors; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">l.</TD>
<TD ALIGN="left" VALIGN="top">Proactively promote ethical behavior as a responsible partner among peers in my work environment and community. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">By signing this statement, I acknowledge that I have read, understand, and agree to adhere to this Code of Ethical Conduct. Violation of this Code may be
grounds for termination from the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Printed Name: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: </P>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>11
<FILENAME>d208905dex23.htm
<DESCRIPTION>CONSENT OF DIXON HUGHES GOODMAN LLP
<TEXT>
<HTML><HEAD>
<TITLE>Consent of Dixon Hughes Goodman LLP</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the Board of Directors and Stockholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nicholas Financial,
Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We consent to the incorporation by reference in the registration statement (No. 333-143245) on Form&nbsp;S-8 of Nicholas Financial, Inc. of our
reports dated June&nbsp;14, 2016, with respect to the consolidated financial statements of Nicholas Financial, Inc. and Subsidiaries and the effectiveness of internal control over financial reporting, which appear in the Annual Report (Form 10-K)
for the year ended March&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ Dixon Hughes Goodman LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Atlanta, Georgia </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;14, 2016 </P>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>12
<FILENAME>d208905dex311.htm
<DESCRIPTION>CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER
<TEXT>
<HTML><HEAD>
<TITLE>Certification of President and Chief Executive Officer</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 31.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATION PURSUANT TO RULE 13A-14(A) OF THE SECURITIES EXCHANGE ACT OF 1934, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Ralph T. Finkenbrink certify that: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">I have reviewed this annual report on Form 10-K of Nicholas Financial, Inc.; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) and internal controls
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top">Designed such disclosure controls and procedures, or caused such controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c)</TD>
<TD ALIGN="left" VALIGN="top">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of
the period covered by this report based on such evaluation; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">d)</TD>
<TD ALIGN="left" VALIGN="top">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter that has materially affected, or is reasonably
likely to materially affect, the registrant&#146;s internal control over financial reporting; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the
registrant&#146;s board of directors (or persons performing the equivalent functions): </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top">all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record,
process, summarize and report financial information; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: June&nbsp;14, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(Principal Executive Officer)</P></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>13
<FILENAME>d208905dex312.htm
<DESCRIPTION>CERTIFICATION OF SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
<TEXT>
<HTML><HEAD>
<TITLE>Certification of Senior Vice President and Chief Financial Officer</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 31.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATION PURSUANT TO RULE 13A-14(A) OF THE SECURITIES EXCHANGE ACT OF 1934, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Katie L. MacGillivary, certify that: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">I have reviewed this annual report on Form 10-K of Nicholas Financial, Inc.; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal controls
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))for the registrant and have: </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top">Designed such disclosure controls and procedures, or caused such controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c)</TD>
<TD ALIGN="left" VALIGN="top">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of
the period covered by this report based on such evaluation; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">d)</TD>
<TD ALIGN="left" VALIGN="top">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter that has materially affected, or is reasonably
likely to materially affect, the registrant&#146;s internal control over financial reporting; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the
registrant&#146;s board of directors (or persons performing the equivalent functions): </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top">all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record,
process, summarize and report financial information; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: June&nbsp;14, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chief Financial Officer and Vice President Finance</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(Principal Executive Officer)</P></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>14
<FILENAME>d208905dex321.htm
<DESCRIPTION>CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>
<HTML><HEAD>
<TITLE>Certification of the Chief Executive Officer Pursuant to 18 U.S.C. Section 1350</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 32.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Pursuant to 18 U.S.C. &#167; 1350 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Solely for
the purpose of complying with 18 U.S.C. &#167; 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, I, the undersigned President and Chief Executive Officer of Nicholas Financial, Inc. (the &#147;Company&#148;), hereby
certify that the Annual Report on Form 10-K of the Company for the fiscal year ended March&nbsp;31, 2016 (the &#147;Report&#148;) fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934 and that the
information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Ralph T. Finkenbrink</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: June&nbsp;14, 2016 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>15
<FILENAME>d208905dex322.htm
<DESCRIPTION>CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>
<HTML><HEAD>
<TITLE>Certification of the Chief Financial Officer Pursuant to 18 U.S.C. Section 1350</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 32.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATION OF THE CHIEF FINANCIAL OFFICER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Pursuant to 18 U.S.C. &#167; 1350 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Solely for
the purpose of complying with 18 U.S.C. &#167; 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, I, the undersigned Vice President-Finance and Chief Financial Officer of Nicholas Financial, Inc. (the
&#147;Company&#148;), hereby certify that the Annual Report on Form 10-K of the Company for the fiscal year ended March&nbsp;31, 2016 (the &#147;Report&#148;) fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities
Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Katie L. MacGillivary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP>
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief&nbsp;Financial&nbsp;Officer&nbsp;and&nbsp;Vice&nbsp;President&nbsp;of&nbsp;Finance</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: June&nbsp;14, 2016 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
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<TYPE>EX-101.INS
<SEQUENCE>16
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<nick:IncreaseDecreaseInDraftsPayable contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">977000</nick:IncreaseDecreaseInDraftsPayable>
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<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">25000</us-gaap:PaymentsOfDebtIssuanceCosts>
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<us-gaap:CashPeriodIncreaseDecrease contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-1539000</us-gaap:CashPeriodIncreaseDecrease>
<us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;1. Organization and Basis of Presentation&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Nicholas Financial, Inc. (&amp;#8220;Nicholas Financial &amp;#8211; Canada&amp;#8221;) is a Canadian holding company incorporated under the laws of British Columbia with two wholly owned United States subsidiaries, Nicholas Data Services, Inc. (&amp;#8220;NDS&amp;#8221;) and Nicholas Financial, Inc. (&amp;#8220;NFI&amp;#8221;). NDS historically was engaged in supporting and updating industry-specific computer application software for small businesses located primarily in the Southeastern United States. NDS has ceased its operations; however it continues as the interim holding company for Nicholas Financial. NDS&amp;#8217;s activities accounted for less than 1% of the Company&amp;#8217;s consolidated revenues for each of the fiscal years ended March&amp;#160;31, 2015 and 2014. NFI is a specialized consumer finance company engaged primarily in acquiring and servicing automobile finance installment contracts (&amp;#8220;Contracts&amp;#8221;) for purchases of new and used automobiles and light trucks. To a lesser extent, NFI also offers direct consumer loans (&amp;#8220;Direct Loans&amp;#8221;) and sells consumer-finance related products. Both NDS and NFI are based in Florida, U.S.A. The accompanying consolidated financial statements are stated in U.S. dollars and are presented in accordance with accounting principles generally accepted in the United States of America (&amp;#8220;U.S. GAAP&amp;#8221;).&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company has one reportable segment, which is the consumer finance company.&lt;/div&gt;</us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock>
<us-gaap:SignificantAccountingPoliciesTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;2. Summary of Significant Accounting Policies&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Consolidation&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The consolidated financial statements include the accounts of Nicholas Financial &amp;#8211; Canada and its wholly owned subsidiaries, NDS and NFI, collectively referred to as (the &amp;#8220;Company&amp;#8221;). All intercompany transactions and balances have been eliminated.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Dividends&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following cash dividends were declared during fiscal year ended March&amp;#160;31, 2014. No dividends were declared during the fiscal years ended March&amp;#160;31, 2015 and 2016.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="40%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 38.85pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Fiscal&amp;#160;Year&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Declared&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Record&amp;#160;Date&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Paid&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Amount&amp;#160;of&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Dividend&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;May&amp;#160;7,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;21, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;28, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;August&amp;#160;13,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;20,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;27,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.24&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px;
 border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of administrative expenses.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Tender Offer&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On March&amp;#160;19, 2015, the Company announced the final results of the modified &amp;#8220;Dutch auction&amp;#8221; tender offer for the purchase of approximately 4.7&amp;#160;million shares of the Company&amp;#8217;s common shares by its principal operating subsidiary.&amp;#160;The tender offer expired on March&amp;#160;13, 2015.&amp;#160;Total payments for common shares, including costs were approximately $70.5 million. Such costs were recorded as an increase to treasury stock, reducing shareholders&amp;#8217; equity.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The aggregate number of common shares purchased in the tender offer by Nicholas represented approximately 38.0% of the Company&amp;#8217;s outstanding common shares as of March&amp;#160;17, 2015.&amp;#160;Following settlement of the tender offer, the Company had approximately 7.7&amp;#160;million common shares outstanding.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Use of Estimates&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements.&lt;/p&gt;
&lt;div style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&amp;#160;&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Finance Receivables&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&amp;#160;31, 2016 and March&amp;#160;31, 2015 are approximately $186.3 and 169.1&amp;#160;million respectively (See Note 3).&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Allowance for Credit Losses&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The allowance for credit losses is increased by charges against earnings and decreased by charge-offs (net of recoveries). The Company aggregates Contracts into static pools consisting of Contracts purchased during a three-month period for each branch location as management considers these pools to have similar risk characteristics. Management&amp;#8217;s periodic evaluation of the adequacy of the allowance is based on the Company&amp;#8217;s past loan experience, known and inherent risks in the portfolio, adverse situations that may affect the borrowers&amp;#8217; ability to repay, the estimated value of any underlying collateral, and current economic conditions. As conditions change, the Company&amp;#8217;s level of provisioning and allowance may change as well.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Assets Held for Resale&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Assets held for resale are stated at net realizable value and consist primarily of automobiles that have been repossessed by the Company and are awaiting final disposition. Most costs associated with repossession, transport and auction preparation expenses are reported under operating expenses in the period in which they are
 incurred.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Property and equipment are recorded at cost, net of accumulated depreciation. Expenditures for repairs and maintenance are charged to expense as incurred. Depreciation of property and equipment is computed using the straight-line method over the estimated useful lives of the assets as follows:&lt;/div&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;3 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;5 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;7 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold&amp;#160;improvements&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;Lesser&amp;#160;of&amp;#160;lease&amp;#160;term&amp;#160;or&amp;#160;useful&amp;#160;life&lt;br /&gt;(generally&amp;#160;6&amp;#160;-&amp;#160;7&amp;#160;years)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Drafts Payable&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Drafts payable represent checks disbursed for loan purchases which have not yet been funded. Amounts generally clear within two business days of period end and then increase the line of credit or reduce cash.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases along with operating loss and tax credit carryforwards, if any. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rate is recognized in income in the period that includes the enactment date.&lt;/div&gt;
&lt;div style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company recognizes tax benefits from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from any such position would be measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. It is the Company&amp;#8217;s policy to recognize interest and penalties accrued on any uncertain tax benefits as a component of income tax expense. The Company does not have any accrued interest or penalties associated with any unrecognized tax benefits, nor has the Company recognized any related interest or penalties during the three years ended March&amp;#160;31, 2016.&lt;/div&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company files income tax returns in the U.S. Federal jurisdiction and various State jurisdictions. The Company is no longer subject to U.S. Federal and State tax examinations for years before 2013. The Company does not believe there will be any material changes in its unrecognized
 tax positions over the next 12 months.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Interest income on finance receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier, or when the account is in Chapter 13 bankruptcy. Chapter 13 bankruptcy accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankruptcy accounts does not resume until all principal amounts are recovered (see Note 3).&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle, and competition in any given market. In making decisions regarding the purchase of a particular Contract the Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The dealer discount is amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount, as a percent of the amount financed, associated with new volume for the fiscal years ended March&amp;#160;31, 2016, 2015, and 2014 was 7.51%, 8.08% and 8.44%, respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the Contract amount.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s net costs for originating Direct Loans are deferred and recognized as an adjustment to the yield and are amortized over the life of the loan using the interest method.&lt;/p&gt;
&lt;div style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&amp;#160;&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Earnings Per Share&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per share is calculated using the two-class method. Basic earnings per share is calculated by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period, which excludes the participating securities. Diluted earnings per share includes the dilutive effect of additional potential common shares from stock compensation awards. Earnings per share have been computed based on the following weighted average number of common shares outstanding:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="72%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31,&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In&amp;#160;thousands,&amp;#160;except&amp;#160;earnings&amp;#160;per&amp;#160;share&amp;#160;numbers)&lt;/b&gt;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Numerator:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income per consolidated statements of income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,379&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Allocation of earnings to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(170&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Basic earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td
 valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding, including shares considered participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,727&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Weighted average participating securities outstanding&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(105&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares of common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman';
 font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.60&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Diluted earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Undistributed earnings re-allocated to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,211&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="8"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding for basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Incremental shares from stock options&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;229&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares and dilutive potential common shares&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,692&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,192&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Diluted earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.59&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 155,000, and 10,000 stock options were not included in the computation of diluted earnings per share for the years ended March&amp;#160;31, 2016, 2015 and 2014 respectively, because their effect would have been anti-dilutive.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing:
 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively the vesting period). The Company estimates the fair value of option awards using the Black-Scholes option pricing model. The risk-free interest rate is based upon a U.S. Treasury instrument with a life that is similar to the expected term of the options. Expected volatility is based upon the historical volatility for the previous period equal to the expected term of the options. The expected term is based upon the average life of previously issued options. The expected dividend yield is based upon the yield expected on date of grant to occur over the term of the option. The fair value of non-vested restricted and performance shares are measured at the market price of a share on a grant date.&lt;/div&gt;
&lt;p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The pool of excess tax benefits available to absorb future tax deficiencies is based on increases to shareholders&amp;#8217; equity related to tax benefits from share-based compensation, combined with the tax on the cumulative incremental compensation costs previously included in pro forma net income disclosures as if the Company had applied the fair-value method to all awards.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Fair Value Measurements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions (see Note 7).&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Financial Instruments and Concentrations&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), the line of credit, and interest rate swap agreements. Financial instruments that are exposed to concentrations of credit risk are primarily finance receivables and cash.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;As of March&amp;#160;31, 2016, the Company operated in eighteen states through sixty-seven branch locations. Florida represented 29% of the finance receivables total as of March&amp;#160;31, 2016. Ohio represented 14%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&amp;#160;31, 2016. Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables. The Company provides credit during the normal course of business and performs ongoing credit evaluations of its customers.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company maintains reserves for potential credit losses which, when realized, have been within the range of management&amp;#8217;s expectations. The Company perfects a primary security interest in all vehicles financed as a form of collateral.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The combined account balances the Company maintains at financial institutions typically exceed federally insured limits, and there is a concentration of credit risk related to accounts on deposit in excess of federally insured limits. The Company has not experienced any losses in such accounts and believes this risk of loss is not significant.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width:
 0px;"&gt;&lt;b&gt;Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Interest rate swap agreements are reported as either assets or liabilities in the consolidated balance sheet at fair value. Interest rate swap agreements are not designated as cash-flow hedges, and accordingly, the changes in the fair value are recorded in earnings. The Company does not use interest rate swap agreements for speculative purposes (see Note 6).&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Statements of Cash Flows&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Cash paid for income taxes for the years ended March&amp;#160;31, 2016, 2015 and 2014 was approximately $8.5 million, $7.3 million and $10.8 million respectively. Cash paid for interest, including debt origination costs for the years ended March&amp;#160;31, 2016, 2015 and 2014 was approximately $8.8 million, $6.1 million and $5.7 million respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Recent Accounting Pronouncements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In March 2016, the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;) issued the Accounting Standards Update (&amp;#8220;ASU&amp;#8221;) 2016-09, &amp;#8220;&lt;i&gt;Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&amp;#8221;&amp;#160;&lt;/i&gt;which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. For public entities, ASU 2016-09 is effective for annual periods beginning after December&amp;#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements.&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In February 2016, the FASB issued ASU No.&amp;#160;2016-02, &amp;#8220;Leases&amp;#8221;, intended to improve financial reporting about leasing transactions. The ASU affects all companies and other organizations that lease assets such as real estate, airplanes, and manufacturing equipment.&amp;#160;&amp;#8220;The ASU will require organizations that lease assets&amp;#8212;referred to as &amp;#8220;lessees&amp;#8221;&amp;#8212;to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The accounting by organizations that own the assets leased by the lessee&amp;#8212;also known as lessor accounting&amp;#8212; will remain largely unchanged from current U.S. GAAP. ASU 2016-02 is effective for annual periods beginning after December&amp;#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/div&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In January 2016, the FASB issued ASU No.&amp;#160;2016-01, &amp;#8220;Financial Instruments&amp;#8212;Recognition and Measurement of Financial Assets and Liabilities,&amp;#8221; which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &amp;#8220;own credit&amp;#8221;) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&amp;#160;15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In April 2015, the FASB issued ASU No.&amp;#160;2015-03, &amp;#8220;Interest - Imputation of Interest (Subtopic 835-30): Simplifying the
 Presentation of Debt Issuance Costs.&amp;#8221; The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. In August 2015, the FASB issued ASU No.&amp;#160;2015-15, since 2015-03 did not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. The SEC staff indicated they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The amendments are effective for financial statements issued for fiscal years beginning after December&amp;#160;15, 2015, and interim periods within those fiscal years. Early adoption of the amendments is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements.&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In May 2014, the FASB issued ASU No.&amp;#160;2014-09, &amp;#8220;Revenue from Contracts with Customers (Topic 606)&amp;#8221;. The ASU requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU, and all subsequently issued clarifying ASUs, will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. The standard permits the use of either the retrospective or cumulative effect transition method. On July&amp;#160;9, 2015, the FASB approved the deferral of the effective date of ASU 2014-09 by one year. As a result, ASU 2014-09 will be effective for annual reporting periods beginning after December&amp;#160;15, 2017, including interim periods within that reporting period. The ASU would permit public entities to adopt the ASU early, but not before the original effective date (i.e., annual periods beginning after December&amp;#160;15, 2016). The Company has not yet selected a transition method and is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/div&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company does not believe there are any other recently issued accounting standards that have not yet been adopted that will have a material impact on the Company&amp;#8217;s consolidated financial statements.&lt;/div&gt;
&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
<us-gaap:FinancingReceivablesTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;3. Finance Receivables&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Finance receivables consist of Contracts and Direct Loans, each of which comprise a portfolio segment. Each portfolio segment consists of smaller balance homogeneous loans which are collectively evaluated for impairment.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company purchases individual Contracts from new and used automobile dealers in its markets. There is no relationship between the Company and the dealer with respect to a given Contract once the assignment of that Contract is complete. The dealer has no vested interest in the performance of any Contract the Company purchases. The Company charges-off receivables when an individual account has become more than 120 days contractually delinquent. In the event of repossession, the charge-off will occur in the month in which the vehicle was repossessed.&amp;#160;&lt;/p&gt;
&lt;p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Contracts included in finance receivables are detailed as follows as of fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="64%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;487,118&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;447,043&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;413,612&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(152,911&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(136,896&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(121,996&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;334,207&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;310,147&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;291,616&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned dealer discounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(18,023&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(17,780&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(17,214&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net of unearned interest and unearned dealer discounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;316,184&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;292,367&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;274,402&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(12,265&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(11,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;303,919&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;281,042&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;261,513&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.67% and 22.86% as of March&amp;#160;31, 2016 and 2015, respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts for the fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="67%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at beginning of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,325&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,091&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;25,926&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;20,008&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;14,694&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Losses absorbed&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(27,963&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(25,042&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(21,691&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Recoveries&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,977&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,470&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,795&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at end of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,265&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company purchases Contracts from automobile dealers at a negotiated price that is less than the original principal amount being financed by the purchaser of the automobile. The Contracts are predominately for used vehicles. As of March&amp;#160;31, 2016, the average model year of vehicles collateralizing the portfolio was a 2007 vehicle. The Company utilizes a static pool approach to track portfolio performance. If the allowance for credit losses is determined to be inadequate for a static pool, then an additional charge to income through the provision is used to maintain adequate reserves based on management&amp;#8217;s evaluation of the risk inherent in the loan portfolio, the composition of the portfolio, and current economic conditions. Such evaluation, considers among other matters, the estimated net realizable value of the underlying collateral, economic conditions, historical loan loss experience, management&amp;#8217;s estimate of probable credit losses and other factors that warrant recognition in providing for an adequate allowance for credit losses.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Direct Loans are also included in finance receivables and are detailed as follows as of fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="70%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,012&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,932&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,731&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(2,346&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(2,367&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(2,311&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,666&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,565&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,420&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(748&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, net&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,918&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,862&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,830&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The terms of the Direct Loans range from 12 to 60 months and bear a weighted average contractual interest rate of 25.72% and 26.14% as of March&amp;#160;31, 2016 and 2015, respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans for the fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="73%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;&lt;/b&gt;2015&lt;b&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;&lt;/b&gt;2014&lt;b&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at beginning of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;703&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;468&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;352&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;362&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;285&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Losses absorbed&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(328&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(277&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(192&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Recoveries&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;21&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;28&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;29&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at end of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;748&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Direct Loans are loans originated directly between the Company and the consumer. These loans are typically for amounts ranging from $1,000 to $9,000 and are generally secured by a lien on an automobile, watercraft or other permissible tangible personal property. The majority of Direct Loans are originated with current or former customers under the Company&amp;#8217;s automobile financing program. The typical Direct Loan represents a significantly better credit risk than Contracts due to the customer&amp;#8217;s historical payment history with the Company; however, the underlying collateral is less valuable. In deciding whether or not to make a loan, the Company considers the individual&amp;#8217;s credit history, job stability, income and impressions created during a personal interview with a Company loan officer. Additionally, because most of the Direct Loans made by the Company to date have been made to borrowers under Contracts previously purchased by the Company, the payment history of the borrower under the Contract is a significant factor in making the loan decision. As of March&amp;#160;31, 2016, loans made by the Company pursuant to its Direct Loan program constituted approximately 2% of the aggregate principal amount of the Company&amp;#8217;s loan portfolio. Changes in the allowance for credit losses for both Contracts and Direct Loans were driven by current economic conditions and credit loss trends over several reporting periods which are utilized in estimating future losses and overall portfolio performance.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;A performing account is defined as an account that is less than 61 days past due. A non-performing account is defined as an account that is contractually delinquent for 61 days or more or is a Chapter 13 bankruptcy account, and the accrual of interest income is suspended. When an account is 120 days contractually delinquent, the account is written off. Upon notification of a bankruptcy, an account is monitored for collection with other Chapter 13 bankruptcy accounts. In the event the debtors balance has been reduced by the bankruptcy court, the Company will record a loss equal to the amount of principal balance reduction. The remaining balance will be reduced as payments are received by the bankruptcy court. In the event an account is dismissed from bankruptcy, the Company will decide, based on several factors, to begin repossession proceedings or to allow the customer to begin making regularly scheduled payments.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following table is an assessment of the credit quality by creditworthiness as of March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="62%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="14"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&amp;#160;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&amp;#160;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Performing accounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;473,429&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,899&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;438,318&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,855&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-performing accounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,435&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;79&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,765&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;57&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;482,864&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,978&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;443,083&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,912&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Chapter 13 bankruptcy accounts, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,254&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;34&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,960&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;20&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;487,118&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,012&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;447,043&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,932&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and Direct Loans, excluding any Chapter 13 bankruptcy accounts:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="60%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="18"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Gross Balance&lt;br  /&gt;Outstanding&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;60&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Over&lt;br  /&gt;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Total&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;March&amp;#160;31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;482,864&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;17,466&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;6,069&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;3,366&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;26,901&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3.61&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.26&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5.57&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;443,083&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13,694&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,435&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,330&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;18,459&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3.09&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.30&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.17&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;410,532&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,713&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,944&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,897&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,554&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2.85&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.72&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.46&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.03&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="16"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Direct Loans&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Gross&amp;#160;Balance&lt;br  /&gt;Outstanding&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;60&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Over&lt;br  /&gt;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Total&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;March&amp;#160;31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,978&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;161&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;41&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;38&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;240&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.47&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.37&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2.19&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,912&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;122&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;42&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;15&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.14&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.64&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,705&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;143&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;25&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;191&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.34&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.21&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:FinancingReceivablesTextBlock>
<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;4. Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Property and equipment as of March&amp;#160;31, 2016 and 2015 is summarized as follows:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="70%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Cost&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Accumulated&lt;br  /&gt;Depreciation&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Net&amp;#160;Book&lt;br  /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;623&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;413&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;210&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,473&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;664&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;809&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;512&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;408&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;104&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,144&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;977&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;167&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,752&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,462&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,290&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;613&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;365&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;248&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;906&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;516&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;390&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;486&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;391&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;95&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,103&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;964&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;139&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,108&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,236&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;872&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
<us-gaap:DebtDisclosureTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;5. Line of Credit&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;On January&amp;#160;31, 2015 the Company executed an amendment with its consortium of lenders. Included in the amendment was an increase in the size of the credit facility (the &amp;#8220;Line&amp;#8221;) from $150.0 million to $225.0 million once the tender offer (see Note 1) became effective which was executed on March&amp;#160;13, 2015. The pricing of the Line, which did not change, expires on January&amp;#160;30,&amp;#160;2018, is 300 basis points above 1-month LIBOR with a 1% floor on LIBOR (4.00% at March&amp;#160;31, 2016 and March&amp;#160;31, 2015) plus an unused line fee of 0.50%. Pledged as collateral for the Line are all of the assets of the Company. The outstanding amount of the Line was $211.0 million and $199.0 million as of March&amp;#160;31, 2016 and March&amp;#160;31, 2015, respectively. The amount available under the Line was $14.0 million and $26.0 million as of March&amp;#160;31, 2016 and March&amp;#160;31, 2015, respectively. The&lt;/div&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Line requires compliance with certain financial ratios and covenants and satisfaction of specified financial tests, including maintenance of asset quality and performance tests. Dividends do not require consent in writing by the agent and majority lenders under the new Line as long as the Company is in compliance with a net income covenant. As of March&amp;#160;31, 2016, the Company was in compliance with all debt covenants.&lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
<us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;6. Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company utilizes interest rate swap agreements to manage exposure to variability in expected cash flows attributable to interest rate risk. The interest rate swap agreements convert a portion of the Company&amp;#8217;s floating rate debt to a fixed rate, more closely matching the interest rate characteristics of the Company&amp;#8217;s finance receivables. As of the twelve months ended March&amp;#160;31, 2016 and 2015, no new contracts were initiated and no contracts matured.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company currently has two interest rate swap agreements. A June&amp;#160;4, 2012 interest rate swap agreement provides for a five-year term in which the Company pays a fixed rate of 1% and receives payments from the counterparty on the 1-month LIBOR rate. This interest rate swap agreement has an effective date of June&amp;#160;13, 2012 and a notional amount of $25.0 million. A July&amp;#160;30, 2012 agreement provides for a five-year term in which the Company pays a fixed rate of 0.87% and receives payments from the counterparty on the 1-month LIBOR rate. This interest rate swap agreement has an effective date of August&amp;#160;13, 2012 and a notional amount of $25.0 million.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The locations and amounts of losses recognized in income are detailed as follows for the fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="84%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Periodic change in fair value of interest rate swap agreements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(24&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(364&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Periodic settlement differentials included in interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(343&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(393&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Loss recognized in income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(367&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(757&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style:
 solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Net realized losses from the interest rate swap agreements were recorded in the interest expense line item of the consolidated statements of income.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following table summarizes the average variable rates received and average fixed rates paid under the interest rate swap agreements as of March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="87%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Average variable rate received&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.26&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.16&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Average fixed rate paid&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.94&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.94&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
<us-gaap:FairValueDisclosuresTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;7. Fair Value Disclosures&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;u&gt;Assets and Liabilities Recorded at Fair Value on a Recurring Basis&lt;/u&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company estimates the fair value of interest rate swap agreements based on the estimated net present value of the future cash flows using a forward interest rate yield curve in effect as of the measurement period, adjusted for nonperformance risk, if any, including a quantitative and qualitative evaluation of both the Company&amp;#8217;s credit risk and the counterparty&amp;#8217;s credit risk. Accordingly, the Company classifies interest rate swap agreements as Level 2.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair&amp;#160;Value&amp;#160;Measurement&amp;#160;Using&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Description&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;1&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;3&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fair&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest rate swap agreements:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March&amp;#160;31, 2016 &amp;#8211; liability:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March&amp;#160;31, 2015 &amp;#8211; liability:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(181&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(181&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&lt;font style="font-family: times new;"
 size="2"&gt;&lt;u&gt;Financial Instruments Not Measured at Fair Value&lt;/u&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s financial instruments consist of cash, finance receivables and the Line. For each of these financial instruments the carrying value approximates fair value.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Finance receivables, net approximates fair value based on the price paid to acquire Contracts. The price paid reflects competitive market interest rates and purchase discounts for the Company&amp;#8217;s chosen credit grade in the economic environment. This market is highly liquid as the Company acquires individual loans on a daily basis from dealers. The initial terms of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 12 to 60 months. In addition, there have been minimal decreases in interest rates and purchase discounts related to these types of loans due to the competitive nature of the current market. If liquidated outside of the normal course of business, the amount received may not be the carrying value.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Based on current market conditions, any new or renewed credit facility would contain pricing that approximates the Company&amp;#8217;s current Line. Based on these market conditions, the fair value of the Line as of March&amp;#160;31, 2016 was estimated to be equal to the book value. The interest rate for the Line is a variable rate based on LIBOR pricing options.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="62%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair Value Measurement Using&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;Description&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;1&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level 2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level 3&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fair&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Cash:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size:
 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Finance receivables:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Line of credit:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td
 align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;u&gt;Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis&lt;/u&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company may be required, from time to time, to measure certain assets and liabilities at fair value on a nonrecurring basis. The Company did not have any assets or liabilities measured at fair value on a nonrecurring basis as of March&amp;#160;31, 2016 and 2015.&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
<us-gaap:IncomeTaxDisclosureTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;8. Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The provision for income taxes consists of the following for the years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Current:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Federal&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,931&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,688&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,709&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,049&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,196&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,395&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;"&gt;Total current&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,980&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,884&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,104&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Deferred:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Federal&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(221&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;308&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,474&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(33&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;48&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;236&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;"&gt;Total deferred&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(254&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;356&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,710&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,814&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes are reflected in deferred income taxes. Significant components of the Company&amp;#8217;s deferred tax assets consist of the following as of March&amp;#160;31:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="82%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses not currently deductible for tax purposes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,918&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,552&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Share-based compensation&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;491&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;514&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest rate swap agreements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;78&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;69&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Other items&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;128&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;226&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Deferred income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,615&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,361&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The provision for income taxes reflects an effective U.S tax rate, which differs from the corporate tax rate for the following reasons:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for income taxes at Federal statutory rate&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,037&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,134&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,981&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Increase (decrease) resulting from:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State income taxes, net of Federal benefit&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;660&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;809&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,059&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Transaction costs&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(734&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;734&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Other&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;29&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;31&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,814&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s effective tax rate increased to 38.43% in fiscal 2016 from 35.41% in fiscal 2015 and 41.73% in fiscal 2014. The Company had approximately $2.1 million of previously non-deductible expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not consummated, the $2.1 million became deductible in 2015 creating a favorable effective tax rate.&lt;/p&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
<us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;9. Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company has share awards outstanding under two share-based compensation plans (the &amp;#8220;Equity Plans&amp;#8221;). The Company believes that such awards better align the interests of its employees with those of its shareholders. Under the shareholder-approved 2006 Equity Incentive Plan (the &amp;#8220;2006 Plan&amp;#8221;) the Board of Directors was authorized to grant option awards for up to approximately 1.1&amp;#160;million common shares. On August&amp;#160;13, 2015, the Company&amp;#8217;s shareholders approved the Nicholas Financial, Inc. Omnibus Incentive Plan (the &amp;#8220;2015 Plan&amp;#8221;) for employees and non-employee directors. Under the 2015 Plan, the Board of Directors is authorized to grant total share awards for up to 750,000 common shares. Awards under the 2006 Plan will continue to be governed by the terms of that plan. The 2015 Plan replaced the 2006 Plan; accordingly no additional option awards may be granted under the 2006 Plan. In addition to option awards, the 2015 Plan provides for restricted stock, performance share awards, and other equity based compensation.&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Option awards previously granted to employees and directors under the 2006 Plan generally vest ratably based on service over a five- and three-year period, respectively, and generally have a contractual term of ten years. Vesting and contractual terms for option awards under the 2015 Plan are essentially the same as those of the 2006 Plan. Restricted stock awards generally cliff vest over a three-year period based on service conditions. The annual vesting of performance share awards is contingent upon the attainment of company-wide performance goals including annual revenue growth and operating income targets. There are no post-vesting restrictions for share awards.&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company funds share awards from authorized but unissued shares and does not purchase shares to fulfill the obligations of the plans. Cash dividends, if any, are not paid on unvested performance shares or unexercised options, but are paid on unvested restricted stock awards. The fair value of each option granted was estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted-average assumptions:&lt;/div&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="82%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Risk-free interest rate&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.58&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.68&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average expected original term&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5&amp;#160;years&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5&amp;#160;years&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Expected volatility&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Expected dividend yield&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.00&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3.65&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px;
 letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company did not grant any options during the year ended March&amp;#160;31, 2014.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;A summary of option activity under the Equity Plans as of March&amp;#160;31, 2016, and changes during the year are presented below.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="67%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(Shares in thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 27.05pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Options&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Shares&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Exercise&lt;br /&gt;Price&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Remaining&lt;br /&gt;Contractual&lt;br /&gt;Term&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Aggregate&lt;br /&gt;Intrinsic&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Outstanding at March&amp;#160;31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;363&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9.86&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12.95&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Exercised&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(13&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6.45&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(3&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.07&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top:
 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Outstanding at March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;357&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.07&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;725&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Exercisable at March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;198&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.04&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;725&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company granted approximately 10,000 options with a weighted average fair value of $3.01 during the year ended March&amp;#160;31, 2016. The total intrinsic value of options exercised during the years ended March&amp;#160;31, 2016, 2015 and 2014 was approximately $82,000, $1,829,000, and $699,000 respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;During the fiscal year ended March&amp;#160;31, 2016, approximately 13,000 options were exercised at exercise prices ranging from $1.20 to $10.96 per share. During the same period approximately 3,000 options were forfeited at exercise prices ranging from $3.60
 to $10.96 per share.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Cash received from options exercised during the fiscal years ended March&amp;#160;31, 2016, 2015 and 2014 totaled approximately $85,000, $389,000, and $329,000, respectively. Related income tax benefits during the same periods totaled approximately $31,000, $700,000, and $267,000, respectively. Such amounts are included in proceeds from exercise of stock options and excess tax benefit on share awards under cash flows from financing activities in the consolidated statements of cash flows. As of March&amp;#160;31, 2016, there was approximately $246,000 of total unrecognized compensation cost related to options granted. That cost is expected to be recognized over a weighted-average period of approximately 2.6 years.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;A summary of the status of the Company&amp;#8217;s non-vested restricted shares under the Equity Plan as of March&amp;#160;31, 2016, and changes during the year then ended is presented below.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="63%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(Shares in thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 85.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Restricted Share Awards&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Shares&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Grant&amp;#160;Date&lt;br /&gt;Fair Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Remaining&lt;br /&gt;Contractual&lt;br /&gt;Term&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Aggregate&lt;br /&gt;Intrinsic&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-vested at March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;89&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.56&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.27&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Vested&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(45&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12.93&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;
 margin-left: 1em;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-vested at March 31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;82&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;879&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&amp;#160;&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company awarded approximately 38,000 restricted shares during the fiscal year ended March&amp;#160;31, 2016. During the same period no restricted shares were forfeited.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;As of March&amp;#160;31, 2016, there was approximately $643,000 of total unrecognized compensation cost related to non-vested restricted share awards granted under the Equity Plans. That cost is expected to be recognized over a weighted-average period of approximately 1.75 years.&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company did not award any performance shares during the fiscal year ended March&amp;#160;31, 2016 or March&amp;#160;31, 2015. As of March&amp;#160;31, 2016, under the Equity Plans, there were no non-vested performance shares and no unrecognized compensation related to performance shares.&lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
<us-gaap:CompensationAndEmployeeBenefitPlansTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;10. Employee Benefit Plan&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company has a 401(k) retirement plan under which all employees are eligible to participate. Employee contributions are voluntary and subject to Internal Revenue Service limitations. The Company did not make a discretionary matching employee contribution. The Board will re-evaluate the Company&amp;#8217;s matching policy for plan year 2017 later this year. For the fiscal years ended March&amp;#160;31, 2016, 2015 and 2014, the Company recorded expenses of approximately $7,000, each year related to this plan.&lt;/div&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
<us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;11. Commitments and Contingencies&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company leases corporate and branch offices under operating lease agreements which provide for annual minimum rental payments as follows:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="84%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="11%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 100.85pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Fiscal Year Ending March&amp;#160;31&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2017&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,101&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2018&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,610&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2019&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,164&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2020&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;581&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2021&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;79&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,535&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Rent expense for the fiscal years ended March&amp;#160;31, 2016, 2015, and 2014 was approximately $2.3, $2.1, and $2.0 million respectively. The Company recognizes rent expense on a straight-line basis over the term of the lease, taking into account, when applicable, lessor incentives for tenant improvements, periods where no rent payment is required and escalations in rent payments over the term of the lease.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company currently is not a party to any pending legal proceedings other than ordinary routine litigation incidental to its business, none of which, if decided adversely to the Company, would, in the opinion of management, have a material adverse effect on the Company&amp;#8217;s financial condition or results of operations.&lt;/p&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
<us-gaap:QuarterlyFinancialInformationTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;12. Quarterly Results of Operations (Unaudited)&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="68%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2016&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per share amounts)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;First&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Second&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Third&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fourth&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total revenue&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,025&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,687&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,757&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;23,238&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,166&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,273&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,311&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,257&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,989&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,177&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,599&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,513&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,915&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,940&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,422&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,040&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
 border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Operating income before income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,955&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,297&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,425&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,428&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,285&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,041&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,698&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,702&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,670&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,256&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,727&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style:
 double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Earnings per share:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Basic&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.48&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.43&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.36&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Diluted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.47&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.42&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="16"&gt;&lt;/td&gt;
&lt;td height="16" colspan="16"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2015&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per share amounts)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;First&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Second&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Third&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fourth&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total revenue&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,333&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,723&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,801&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,933&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,449&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,485&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,458&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,578&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,232&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,154&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,797&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,188&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,921&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,089&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,408&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,935&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Operating income before income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,731&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,995&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right"
 valign="bottom"&gt;6,138&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,232&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,822&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,665&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,369&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,384&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,909&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,330&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,769&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,848&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Earnings per share:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Basic&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.31&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.34&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt;
 margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Diluted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.30&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.33&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
<us-gaap:ConsolidationPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Consolidation&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The consolidated financial statements include the accounts of Nicholas Financial &amp;#8211; Canada and its wholly owned subsidiaries, NDS and NFI, collectively referred to as (the &amp;#8220;Company&amp;#8221;). All intercompany transactions and balances have been eliminated.&lt;/div&gt;
&lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
<nick:DividendDeclarationAndPaymentPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Dividends&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The following cash dividends were declared during fiscal year ended March&amp;#160;31, 2014. No dividends were declared during the fiscal years ended March&amp;#160;31, 2015 and 2016.&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="40%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 38.85pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Fiscal&amp;#160;Year&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Declared&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Record&amp;#160;Date&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Paid&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Amount&amp;#160;of&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;Dividend&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;May&amp;#160;7,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;21, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;28, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;August&amp;#160;13,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;20,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;27,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.24&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of administrative expenses.&lt;/p&gt;</nick:DividendDeclarationAndPaymentPolicyTextBlock>
<nick:TenderOfferPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Tender Offer&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;On March&amp;#160;19, 2015, the Company announced the final results of the modified &amp;#8220;Dutch auction&amp;#8221; tender offer for the purchase of approximately 4.7&amp;#160;million shares of the Company&amp;#8217;s common shares by its principal operating subsidiary.&amp;#160;The tender offer expired on March&amp;#160;13, 2015.&amp;#160;Total payments for common shares, including costs were approximately $70.5 million. Such costs were recorded as an increase to treasury stock, reducing shareholders&amp;#8217; equity.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The aggregate number of common shares purchased in the tender offer by Nicholas represented approximately 38.0% of the Company&amp;#8217;s outstanding common shares as of March&amp;#160;17, 2015.&amp;#160;Following settlement of the tender offer, the Company had approximately 7.7&amp;#160;million common shares outstanding.&lt;/p&gt;</nick:TenderOfferPolicyTextBlock>
<us-gaap:UseOfEstimates contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Use of Estimates&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements.&lt;/div&gt;
&lt;/div&gt;</us-gaap:UseOfEstimates>
<us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Finance Receivables&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&amp;#160;31, 2016 and March&amp;#160;31, 2015 are approximately $186.3 and 169.1&amp;#160;million respectively (See Note 3).&lt;/div&gt;
&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
<us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Allowance for Credit Losses&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The allowance for credit losses is increased by charges against earnings and decreased by charge-offs (net of recoveries). The Company aggregates Contracts into static pools consisting of Contracts purchased during a three-month period for each branch location as management considers these pools to have similar risk characteristics. Management&amp;#8217;s periodic evaluation of the adequacy of the allowance is based on the Company&amp;#8217;s past loan experience, known and inherent risks in the portfolio, adverse situations that may affect the borrowers&amp;#8217; ability to repay, the estimated value of any underlying collateral, and current economic conditions. As conditions change, the Company&amp;#8217;s level of provisioning and allowance may change as well.&lt;/p&gt;</us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts>
<nick:AssetsHeldForResalePolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Assets Held for Resale&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Assets held for resale are stated at net realizable value and consist primarily of automobiles that have been repossessed by the Company and are awaiting final disposition. Most costs associated with repossession, transport and auction preparation expenses are reported under operating expenses in the period in which they are incurred.&lt;/p&gt;</nick:AssetsHeldForResalePolicyTextBlock>
<us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Property and equipment are recorded at cost, net of accumulated depreciation. Expenditures for repairs and maintenance are charged to expense as incurred. Depreciation of property and equipment is computed using the straight-line method over the estimated useful lives of the assets as follows:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;3 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;5 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;7 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold&amp;#160;improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;Lesser&amp;#160;of&amp;#160;lease&amp;#160;term&amp;#160;or&amp;#160;useful&amp;#160;life&lt;br  /&gt;(generally&amp;#160;6&amp;#160;-&amp;#160;7&amp;#160;years)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
<nick:DraftPayablePolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Drafts Payable&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Drafts payable represent checks disbursed for loan purchases which have not yet been funded. Amounts generally clear within two business days of period end and then increase the line of credit or reduce cash.&lt;/div&gt;
&lt;/div&gt;</nick:DraftPayablePolicyTextBlock>
<us-gaap:IncomeTaxPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases along with operating loss and tax credit carryforwards, if any. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rate is recognized in income in the period that includes the enactment date.&lt;/p&gt;
&lt;div style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"&gt;&lt;b&gt;&lt;font size="2"&gt;&lt;/font&gt;&lt;/b&gt;&amp;#160;&lt;/div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company recognizes tax benefits from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from any such position would be measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. It is the Company&amp;#8217;s policy to recognize interest and penalties accrued on any uncertain tax benefits as a component of income tax expense. The Company does not have any accrued interest or penalties associated with any unrecognized tax benefits, nor has the Company recognized any related interest or penalties during the three years ended March&amp;#160;31, 2016.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company files income tax returns in the U.S. Federal jurisdiction and various State jurisdictions. The Company is no longer subject to U.S. Federal and State tax examinations for years before 2013. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months.&lt;/p&gt;
&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
<us-gaap:RevenueRecognitionPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Interest income on finance receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier, or when the account is in Chapter 13 bankruptcy. Chapter 13 bankruptcy accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankruptcy accounts does not resume until all principal amounts are recovered (see Note 3).&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle, and competition in any given market. In making decisions regarding the purchase of a particular Contract the Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The dealer discount is amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount, as a percent of the amount financed, associated with new volume for the fiscal years ended March&amp;#160;31, 2016, 2015, and 2014 was 7.51%, 8.08% and 8.44%, respectively.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the Contract amount.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s net costs for originating Direct Loans are deferred and recognized as an adjustment to the yield and are amortized over the life of the loan using the interest method.&lt;/p&gt;</us-gaap:RevenueRecognitionPolicyTextBlock>
<us-gaap:EarningsPerSharePolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Earnings Per Share&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per share is calculated using the two-class method. Basic earnings per share is calculated by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period, which excludes the participating securities. Diluted earnings per share includes the dilutive effect of additional potential common shares from stock compensation awards. Earnings per share have been computed based on the following weighted average number of common shares outstanding:&lt;/p&gt;
&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="72%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31,&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In&amp;#160;thousands,&amp;#160;except&amp;#160;earnings&amp;#160;per&amp;#160;share&amp;#160;numbers)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Numerator:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income per consolidated statements of income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,379&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Allocation of earnings to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(170&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Basic earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding, including shares considered participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,727&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Weighted average participating securities outstanding&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(105&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
 border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares of common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.60&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Diluted earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Undistributed earnings re-allocated to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,211&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="8"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding for basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Incremental shares from stock options&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;229&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares and dilutive potential common shares&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,692&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,192&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Diluted earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.59&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 155,000, and 10,000 stock options were not included in the computation of diluted earnings per share for the years ended March&amp;#160;31, 2016, 2015 and 2014 respectively, because their effect would have been anti-dilutive.&lt;/div&gt;
&lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
<us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively the vesting period). The Company estimates the fair value of option awards using the Black-Scholes option pricing model. The risk-free interest rate is based upon a U.S. Treasury instrument with a life that is similar to the expected term of the options. Expected volatility is based upon the historical volatility for the previous period equal to the expected term of the options. The expected term is based upon the average life of previously issued options. The expected dividend yield is based upon the yield expected on date of grant to occur over the term of the option. The fair value of non-vested restricted and performance shares are measured at the market price of a share on a grant date. The pool of excess tax benefits available to absorb future tax deficiencies is based on increases to shareholders&amp;#8217; equity related to tax benefits from share-based compensation, combined with the tax on the cumulative incremental compensation costs previously included in pro forma net income disclosures as if the Company had applied the fair-value method to all awards.&lt;/div&gt;
&lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
<us-gaap:FairValueMeasurementPolicyPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Fair Value Measurements&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions (see Note 7).&lt;/div&gt;
&lt;/div&gt;</us-gaap:FairValueMeasurementPolicyPolicyTextBlock>
<nick:FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Financial Instruments and Concentrations&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), the line of credit, and interest rate swap agreements. Financial instruments that are exposed to concentrations of credit risk are primarily finance receivables and cash.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;As of March&amp;#160;31, 2016, the Company operated in eighteen states through sixty-seven branch locations. Florida represented 29% of the finance receivables total as of March&amp;#160;31, 2016. Ohio represented 14%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&amp;#160;31, 2016. Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables. The Company provides credit during the normal course of business and performs ongoing credit evaluations of its customers.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company maintains reserves for potential credit losses which, when realized, have been within the range of management&amp;#8217;s expectations. The Company perfects a primary security interest in all vehicles financed as a form of collateral.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The combined account balances the Company maintains at financial institutions typically exceed federally insured limits, and there is a concentration of credit risk related to accounts on deposit in excess of federally insured limits. The Company has not experienced any losses in such accounts and believes this risk of loss is not significant.&lt;/p&gt;</nick:FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock>
<us-gaap:DerivativesPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Interest rate swap agreements are reported as either assets or liabilities in the consolidated balance sheet at fair value. Interest rate swap agreements are not designated as cash-flow hedges, and accordingly, the changes in the fair value are recorded in earnings. The Company does not use interest rate swap agreements for speculative purposes (see Note 6).&lt;/p&gt;</us-gaap:DerivativesPolicyTextBlock>
<nick:StatementOfCashFlowPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Statements of Cash Flows&lt;/b&gt;&lt;/p&gt;
&lt;div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;Cash paid for income taxes for the years ended March&amp;#160;31, 2016, 2015 and 2014 was approximately $8.5 million, $7.3 million and $10.8 million respectively. Cash paid for interest, including debt origination costs for the years ended March&amp;#160;31, 2016, 2015 and 2014 was approximately $8.8 million, $6.1 million and $5.7 million respectively.&lt;/div&gt;
&lt;/div&gt;</nick:StatementOfCashFlowPolicyTextBlock>
<us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Recent Accounting Pronouncements&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;In March 2016, the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;) issued the Accounting Standards Update (&amp;#8220;ASU&amp;#8221;) 2016-09, &amp;#8220;&lt;i&gt;Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&amp;#8221;&amp;#160;&lt;/i&gt;which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. For public entities, ASU 2016-09 is effective for annual periods beginning after December&amp;#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;In February 2016, the FASB issued ASU No.&amp;#160;2016-02, &amp;#8220;Leases&amp;#8221;, intended to improve financial reporting about leasing transactions. The ASU affects all companies and other organizations that lease assets such as real estate, airplanes, and manufacturing equipment. &amp;#8220;The ASU will require organizations that lease assets&amp;#8212;referred to as &amp;#8220;lessees&amp;#8221;&amp;#8212;to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The accounting by organizations that own the assets leased by the lessee&amp;#8212;also known as lessor accounting&amp;#8212; will remain largely unchanged from current U.S. GAAP. ASU 2016-02 is effective for annual periods beginning after December&amp;#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;In January 2016, the FASB issued ASU No.&amp;#160;2016-01, &amp;#8220;Financial Instruments&amp;#8212;Recognition and Measurement of Financial Assets and Liabilities,&amp;#8221; which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &amp;#8220;own credit&amp;#8221;) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&amp;#160;15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;In April 2015, the FASB issued ASU No.&amp;#160;2015-03, &amp;#8220;Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.&amp;#8221; The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. In August 2015, the FASB issued ASU No.&amp;#160;2015-15, since 2015-03 did not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. The SEC staff indicated they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The amendments are effective for financial statements issued for fiscal years beginning after December&amp;#160;15, 2015, and interim periods within those fiscal years. Early adoption of the amendments is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;In May 2014, the FASB issued ASU No.&amp;#160;2014-09, &amp;#8220;Revenue from Contracts with Customers (Topic 606)&amp;#8221;. The ASU requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU, and all subsequently issued clarifying ASUs, will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. The standard permits the use of either the retrospective or cumulative effect transition method. On July&amp;#160;9, 2015, the FASB approved the deferral of the effective date of ASU 2014-09 by one year. As a result, ASU 2014-09 will be effective for annual reporting periods beginning after December&amp;#160;15, 2017, including interim periods within that reporting period. The ASU would permit public entities to adopt the ASU early, but not before the original effective date (i.e., annual periods beginning after December&amp;#160;15, 2016). The Company has not yet selected a transition method and is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements.&lt;/p&gt;
&lt;p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;The Company does not believe there are any other recently issued accounting standards that have not yet been adopted that will have a material impact on the Company&amp;#8217;s consolidated financial statements.&lt;/p&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
<us-gaap:DividendsDeclaredTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="40%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 38.85pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Fiscal&amp;#160;Year&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Declared&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Record&amp;#160;Date&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"&gt;&lt;b&gt;Date&amp;#160;Paid&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Amount&amp;#160;of&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Dividend&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;May&amp;#160;7,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;21, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;June&amp;#160;28, 2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;August&amp;#160;13,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;20,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;September&amp;#160;27,&amp;#160;2013&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.12&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.24&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:DividendsDeclaredTableTextBlock>
<nick:PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;3 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;5 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;7 years&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold&amp;#160;improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom"&gt;Lesser&amp;#160;of&amp;#160;lease&amp;#160;term&amp;#160;or&amp;#160;useful&amp;#160;life&lt;br /&gt;(generally&amp;#160;6&amp;#160;-&amp;#160;7&amp;#160;years)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</nick:PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock>
<us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="72%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31,&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;(In&amp;#160;thousands,&amp;#160;except&amp;#160;earnings&amp;#160;per&amp;#160;share&amp;#160;numbers)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Numerator:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income per consolidated statements of income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,379&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Allocation of earnings to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(170&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Basic earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding, including shares considered participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,727&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Less: Weighted average participating securities outstanding&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(105&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares of common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.60&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;Diluted earnings per share computation:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,209&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Undistributed earnings re-allocated to participating securities&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#8212;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&lt;/b&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income allocated to common stock&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,211&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="8"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;td height="8" colspan="4"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average common shares outstanding for basic earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,622&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,013&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,096&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Incremental shares from stock options&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;229&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average shares and dilutive potential common shares&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,692&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,192&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Diluted earnings per share&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.59&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="64%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;487,118&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;447,043&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;413,612&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(152,911&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(136,896&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(121,996&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;334,207&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;310,147&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;291,616&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned dealer discounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(18,023&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(17,780&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(17,214&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td
 valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net of unearned interest and unearned dealer discounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;316,184&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;292,367&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;274,402&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(12,265&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(11,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Indirect finance receivables, net&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;303,919&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;281,042&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;261,513&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
<us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="67%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at beginning of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,325&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,091&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;25,926&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;20,008&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;14,694&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Losses absorbed&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(27,963&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(25,042&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(21,691&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Recoveries&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,977&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,470&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,795&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at end of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,265&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,889&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p
 style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
<us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember">&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="73%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;&lt;/b&gt;2015&lt;b&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;&lt;/b&gt;2014&lt;b&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at beginning of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;703&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;468&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;352&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;362&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;285&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Losses absorbed&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(328&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(277&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(192&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Recoveries&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;21&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;28&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;29&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Balance at end of year&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;748&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
<us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="62%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="14"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&amp;#160;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&amp;#160;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Performing accounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;473,429&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,899&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;438,318&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,855&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-performing accounts&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,435&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;79&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,765&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;57&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;482,864&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,978&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"
 valign="bottom"&gt;&lt;b&gt;443,083&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,912&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Chapter 13 bankruptcy accounts, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,254&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;34&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,960&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;20&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;487,118&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,012&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;447,043&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,932&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
<nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="60%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="18"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Gross Balance&lt;br /&gt;Outstanding&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;60&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Over&lt;br /&gt;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Total&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;March&amp;#160;31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;482,864&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;17,466&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;6,069&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;3,366&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;&amp;#160;26,901&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3.61&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.26&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5.57&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;443,083&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13,694&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,435&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,330&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;18,459&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3.09&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.30&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.17&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;
 margin-left: 1em;"&gt;March 31, 2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;410,532&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,713&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,944&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,897&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,554&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2.85&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.72&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.46&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.03&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="16"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;td height="16" colspan="4"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Direct Loans&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Gross&amp;#160;Balance&lt;br /&gt;Outstanding&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;60&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Over&lt;br /&gt;90&amp;#160;days&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Total&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;March&amp;#160;31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,978&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;161&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;41&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;38&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;240&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1.47&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.37&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2.19&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,912&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;122&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;42&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;15&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.12&lt;/td&gt;
&lt;td valign="bottom"
 nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.14&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.64&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;March 31, 2014&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,705&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;143&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;25&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;191&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.34&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.21&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock>
<us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="70%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Cost&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Accumulated&lt;br /&gt;Depreciation&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Net&amp;#160;Book&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;623&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;413&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;210&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,473&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;664&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;809&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;512&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;408&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;104&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,144&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;977&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;167&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td
 valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,752&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,462&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,290&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Automobiles&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;613&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;365&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;248&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Equipment&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;906&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;516&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;390&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;486&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;391&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;95&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Leasehold improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,103&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;964&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;139&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,108&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,236&lt;/td&gt;
&lt;td valign="bottom"
 nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;872&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
<us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="84%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Periodic change in fair value of interest rate swap agreements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(24&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(364&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Periodic settlement differentials included in interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(343&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(393&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Loss recognized in income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(367&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(757&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock>
<nick:ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="87%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Average variable rate received&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.26&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.16&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Average fixed rate paid&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.94&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.94&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</nick:ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock>
<us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair&amp;#160;Value&amp;#160;Measurement&amp;#160;Using&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 39.5pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Description&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;1&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;3&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fair&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest rate swap agreements:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March&amp;#160;31, 2016 &amp;#8211; liability:&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March&amp;#160;31, 2015 &amp;#8211; liability:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(181&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(181&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&lt;br class="apple-interchange-newline" /&gt;&amp;#160;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
<us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="62%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="2%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair Value Measurement Using&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;Description&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level&amp;#160;1&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level 2&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Level 3&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fair&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;br /&gt;&lt;b&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Cash:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,849&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,388&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Finance receivables:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt;
 margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;311,837&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;288,904&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Line of credit:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;&lt;b&gt;March 31, 2016&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;211,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;199,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
<us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Current:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Federal&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,931&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,688&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,709&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,049&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,196&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,395&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;"&gt;Total current&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,980&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,884&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,104&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt;
 border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Deferred:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Federal&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(221&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;308&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,474&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(33&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;48&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;236&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;"&gt;Total deferred&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(254&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;356&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,710&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,814&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
<us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="82%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses not currently deductible for tax purposes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,918&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,552&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Share-based compensation&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;491&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;514&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest rate swap agreements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;78&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;69&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Other items&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;128&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;226&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Deferred income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,615&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,361&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
<us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="74%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for income taxes at Federal statutory rate&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,037&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,134&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,981&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Increase (decrease) resulting from:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;State income taxes, net of Federal benefit&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;660&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;809&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,059&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Transaction costs&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(734&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;734&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Other&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;29&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;31&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,814&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
<us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="82%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Risk-free interest rate&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.58&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.68&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Weighted average expected original term&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5&amp;#160;years&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5&amp;#160;years&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Expected volatility&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Expected dividend yield&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.00&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3.65&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;br class="apple-interchange-newline" /&gt;&lt;br /&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
<us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="67%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="5%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(Shares in thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 27.05pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Options&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Shares&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Exercise&lt;br /&gt;Price&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Remaining&lt;br /&gt;Contractual&lt;br /&gt;Term&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Aggregate&lt;br /&gt;Intrinsic&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Outstanding at March&amp;#160;31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;363&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9.86&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12.95&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Exercised&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(13&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6.45&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(3&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.07&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
 border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Outstanding at March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;357&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.07&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;725&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Exercisable at March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;198&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.04&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;725&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;br class="apple-interchange-newline" /&gt;&lt;br /&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
<us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="63%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="6%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="6"&gt;&lt;b&gt;(Shares in thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 85.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Restricted Share Awards&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Shares&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Grant&amp;#160;Date&lt;br /&gt;Fair Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Weighted&lt;br /&gt;Average&lt;br /&gt;Remaining&lt;br /&gt;Contractual&lt;br /&gt;Term&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Aggregate&lt;br /&gt;Intrinsic&lt;br /&gt;Value&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-vested at March 31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;89&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.56&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;38&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.27&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Vested&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(45&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12.93&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
 border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-vested at March 31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;82&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;879&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock>
<us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/div&gt;
&lt;table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="84%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="11%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="width: 100.85pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"&gt;&lt;b&gt;Fiscal Year Ending March&amp;#160;31&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2017&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,101&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2018&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,610&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2019&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,164&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2020&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;581&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;2021&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;79&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,535&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;br class="apple-interchange-newline" /&gt;&lt;br /&gt;&lt;/div&gt;</us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
<us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">&lt;div&gt;
&lt;table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="68%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="3%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2016&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per share amounts)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;First&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Second&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Third&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fourth&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total revenue&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,025&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,687&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,757&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;23,238&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,166&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,273&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,311&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,257&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,989&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;6,177&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,599&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,513&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,915&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,940&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,422&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,040&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Operating income before income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,955&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,297&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,425&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,428&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,285&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,041&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,698&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,702&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,670&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,256&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,727&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,726&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p
 style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Earnings per share:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Basic&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.48&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.43&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.36&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Diluted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.47&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.42&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.35&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1pt;"&gt;
&lt;td height="16"&gt;&lt;/td&gt;
&lt;td height="16" colspan="16"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2015&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per share amounts)&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;First&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Second&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"
 colspan="2"&gt;&lt;b&gt;Third&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Fourth&lt;br /&gt;Quarter&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Total revenue&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,333&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,723&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,801&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;21,933&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,449&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,485&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,458&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,578&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,232&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,154&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,797&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,188&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Non-interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,921&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,089&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,408&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,935&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Operating income before income taxes&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,731&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,995&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,138&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,232&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,822&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,665&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,369&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,384&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Net income&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,909&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,330&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,769&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,848&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Earnings per share:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Basic&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.31&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.34&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"&gt;Diluted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.30&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.33&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock>
<us-gaap:NumberOfReportableSegments contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="Segment" decimals="INF">1</us-gaap:NumberOfReportableSegments>
<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD_per_Share" decimals="2">0.24</us-gaap:CommonStockDividendsPerShareCashPaid>
<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredAugust132013Member" unitRef="USD_per_Share" decimals="2">0.12</us-gaap:CommonStockDividendsPerShareCashPaid>
<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredMay72013Member" unitRef="USD_per_Share" decimals="2">0.12</us-gaap:CommonStockDividendsPerShareCashPaid>
<us-gaap:DividendsPayableDateDeclaredDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredAugust132013Member">2013-08-13</us-gaap:DividendsPayableDateDeclaredDayMonthAndYear>
<us-gaap:DividendsPayableDateDeclaredDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredMay72013Member">2013-05-07</us-gaap:DividendsPayableDateDeclaredDayMonthAndYear>
<us-gaap:DividendsPayableDateOfRecordDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredAugust132013Member">2013-09-20</us-gaap:DividendsPayableDateOfRecordDayMonthAndYear>
<us-gaap:DividendsPayableDateOfRecordDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredMay72013Member">2013-06-21</us-gaap:DividendsPayableDateOfRecordDayMonthAndYear>
<us-gaap:DividendPayableDateToBePaidDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredAugust132013Member">2013-09-27</us-gaap:DividendPayableDateToBePaidDayMonthAndYear>
<us-gaap:DividendPayableDateToBePaidDayMonthAndYear contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_DividendsAxis_DateDeclaredMay72013Member">2013-06-28</us-gaap:DividendPayableDateToBePaidDayMonthAndYear>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember">3 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember">5 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember">7 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember">Lesser of lease term or useful life (generally 6 - 7 years)</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="shares" decimals="-3">12096000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="shares" decimals="-3">12013000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
<us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">7622000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
<us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="shares" decimals="-3">229000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
<us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="shares" decimals="-3">179000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
<us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">70000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="shares" decimals="-3">12325000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="shares" decimals="-3">12192000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">7692000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
<nick:DividendDistributionWithholdingTaxPercentage contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="pure" decimals="2">0.05</nick:DividendDistributionWithholdingTaxPercentage>
<us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="Context_Custom_01_Mar_2015T00_00_00_TO_19_Mar_2015T00_00_00_OfferTypeAxis_TenderOfferMember" unitRef="shares" decimals="-5">4700000</us-gaap:StockIssuedDuringPeriodSharesNewIssues>

<nick:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-5">169100000</nick:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables>
<nick:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-5">186300000</nick:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables>
<nick:PercentageOfReceivableInterestDiscount contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="pure" decimals="4">0.0844</nick:PercentageOfReceivableInterestDiscount>
<nick:PercentageOfReceivableInterestDiscount contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="pure" decimals="4">0.0808</nick:PercentageOfReceivableInterestDiscount>
<nick:PercentageOfReceivableInterestDiscount contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="pure" decimals="4">0.0751</nick:PercentageOfReceivableInterestDiscount>
<nick:PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00">Less than 1%</nick:PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue>
<nick:PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00">Less than 1%</nick:PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue>
<us-gaap:IncomeTaxesPaid contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-5">10800000</us-gaap:IncomeTaxesPaid>
<us-gaap:IncomeTaxesPaid contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-5">7300000</us-gaap:IncomeTaxesPaid>
<us-gaap:IncomeTaxesPaid contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-5">8500000</us-gaap:IncomeTaxesPaid>
<us-gaap:InterestPaidNet contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-5">5700000</us-gaap:InterestPaidNet>
<us-gaap:InterestPaidNet contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-5">6100000</us-gaap:InterestPaidNet>
<us-gaap:InterestPaidNet contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-5">8800000</us-gaap:InterestPaidNet>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_EmployeeStockOptionMember" unitRef="shares" decimals="0">10000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_EmployeeStockOptionMember" unitRef="shares" decimals="0">155000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_EmployeeStockOptionMember" unitRef="shares" decimals="0">161000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:ConcentrationRiskPercentage1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_ConcentrationRiskByBenchmarkAxis_FinanceReceivablesMember_StatementGeographicalAxis_FL" unitRef="pure" decimals="2">0.29</us-gaap:ConcentrationRiskPercentage1>
<us-gaap:ConcentrationRiskPercentage1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_ConcentrationRiskByBenchmarkAxis_FinanceReceivablesMember_StatementGeographicalAxis_OH" unitRef="pure" decimals="2">0.14</us-gaap:ConcentrationRiskPercentage1>
<us-gaap:ConcentrationRiskPercentage1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_ConcentrationRiskByBenchmarkAxis_FinanceReceivablesMember_StatementGeographicalAxis_GA" unitRef="pure" decimals="2">0.10</us-gaap:ConcentrationRiskPercentage1>
<us-gaap:ConcentrationRiskPercentage1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_ConcentrationRiskByBenchmarkAxis_FinanceReceivablesMember_StatementGeographicalAxis_NC" unitRef="pure" decimals="2">0.08</us-gaap:ConcentrationRiskPercentage1>
<us-gaap:ConcentrationRiskBenchmarkDescription contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_ConcentrationRiskByBenchmarkAxis_FinanceReceivablesMember">Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables.</us-gaap:ConcentrationRiskBenchmarkDescription>
<us-gaap:NumberOfStatesInWhichEntityOperates contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="State" decimals="INF">18</us-gaap:NumberOfStatesInWhichEntityOperates>
<nick:NumberOfBranches contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="Branch" decimals="INF">67</nick:NumberOfBranches>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">413612000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10731000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">447043000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10932000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">487118000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">11012000</us-gaap:NotesReceivableGross>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">121996000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">2311000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">136896000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">2367000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">152911000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">2346000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<nick:NotesReceivableNetUnearnedInterest contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">291616000</nick:NotesReceivableNetUnearnedInterest>
<nick:NotesReceivableNetUnearnedInterest contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">8420000</nick:NotesReceivableNetUnearnedInterest>
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<nick:UnearnedDiscountIncludedInFinancingReceivables contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">17780000</nick:UnearnedDiscountIncludedInFinancingReceivables>
<nick:UnearnedDiscountIncludedInFinancingReceivables contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">18023000</nick:UnearnedDiscountIncludedInFinancingReceivables>
<nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">274402000</nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts>
<nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">292367000</nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts>
<nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">316184000</nick:FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">12889000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">590000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">11325000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">703000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">12265000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">748000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_01_Apr_2013T00_00_00_TO_31_Mar_2013T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">16091000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="Context_As_Of_01_Apr_2013T00_00_00_TO_31_Mar_2013T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">468000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">21691000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">192000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">25042000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">277000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">27963000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<nick:FinancingReceivableAllowanceForCreditLossesAbsorbed contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">328000</nick:FinancingReceivableAllowanceForCreditLossesAbsorbed>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">3795000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">29000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">3470000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">28000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">2977000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
<us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">21000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
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<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10705000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">443083000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10912000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">438318000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">4765000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">10855000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">57000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">3960000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">20000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">482864000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10978000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">473429000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">9435000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">10899000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">79000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">4254000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">34000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">447043000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10932000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">487118000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">11012000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0285</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0134</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0309</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0112</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0361</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0147</nick:PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0072</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0023</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0078</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0038</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0126</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0037</nick:PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0046</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0021</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="3">0.003</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0014</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="3">0.007</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0035</nick:PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">16554000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">191000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">18459000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">179000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">26901000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">240000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0403</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0178</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0417</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0164</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0557</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>
<nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0219</nick:PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal>


<nick:InitialTermsOfIndirectFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MaximumMember">P72M</nick:InitialTermsOfIndirectFinanceReceivables>
<nick:InitialTermsOfIndirectFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfIndirectFinanceReceivables>
<nick:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.2286</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.2614</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.2267</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.2572</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesPercentage contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="2">0.02</nick:FinanceReceivablesPercentage>
<nick:PerformingAccountCriteriaMaximumPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">P61D</nick:PerformingAccountCriteriaMaximumPeriod>
<nick:NonPerformingAccountCriteriaMinimumPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">P61D</nick:NonPerformingAccountCriteriaMinimumPeriod>
<nick:DelinquentAccountCriteriaPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">P120D</nick:DelinquentAccountCriteriaPeriod>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">3108000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">613000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">906000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">486000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">1103000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">3752000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">623000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">1473000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">512000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">1144000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">2236000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">365000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">516000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">391000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">964000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">2462000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">413000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">664000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">408000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">977000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="Context_As_Of_31_Mar_2014T00_00_00_TO_31_Mar_2014T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="USD" decimals="-5">150000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="Context_As_Of_31_Jan_2015T00_00_00_TO_31_Jan_2015T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="USD" decimals="-5">225000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
<us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="2">0.03</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
<us-gaap:DebtInstrumentDescriptionOfVariableRateBasis contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember">1-month LIBOR</us-gaap:DebtInstrumentDescriptionOfVariableRateBasis>
<nick:LineOfCreditFacilityInterestRatePlusApplicableMargin contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="2">0.01</nick:LineOfCreditFacilityInterestRatePlusApplicableMargin>
<us-gaap:LineOfCreditFacilityInterestRateAtPeriodEnd contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="4">0.0400</us-gaap:LineOfCreditFacilityInterestRateAtPeriodEnd>
<us-gaap:LineOfCreditFacilityInterestRateAtPeriodEnd contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="4">0.0400</us-gaap:LineOfCreditFacilityInterestRateAtPeriodEnd>
<us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="USD" decimals="-5">26000000</us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity>
<us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="USD" decimals="-5">14000000</us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity>
<us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1 contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-364000</us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1>
<us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-24000</us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1>
<nick:PeriodicSettlementsIncludedInInterestExpense contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">393000</nick:PeriodicSettlementsIncludedInInterestExpense>
<nick:PeriodicSettlementsIncludedInInterestExpense contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">343000</nick:PeriodicSettlementsIncludedInInterestExpense>
<nick:PreTaxIncomeLossGainRecognizedInIncome contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-757000</nick:PreTaxIncomeLossGainRecognizedInIncome>
<nick:PreTaxIncomeLossGainRecognizedInIncome contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-367000</nick:PreTaxIncomeLossGainRecognizedInIncome>
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<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_5ME_01-Jan-2012T00_00_00_TO_04-Jun-2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="2">0.01</nick:DerivativeAverageFixedInterestRatePaid>
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<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0094</nick:DerivativeAverageFixedInterestRatePaid>
<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0094</nick:DerivativeAverageFixedInterestRatePaid>
<us-gaap:NumberOfInterestRateDerivativesHeld contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="Swap" decimals="INF">2</us-gaap:NumberOfInterestRateDerivativesHeld>
<us-gaap:DerivativeTermOfContract contextRef="Context_5ME_01-Jan-2012T00_00_00_TO_04-Jun-2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">P5Y</us-gaap:DerivativeTermOfContract>
<us-gaap:DerivativeTermOfContract contextRef="Context_2ME_01-Jun-2012T00_00_00_TO_30-Jul-2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">P5Y</us-gaap:DerivativeTermOfContract>
<nick:DerivativeDescriptionOfVariableRateBasisTwo contextRef="Context_5ME_01-Jan-2012T00_00_00_TO_04-Jun-2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">1-month LIBOR</nick:DerivativeDescriptionOfVariableRateBasisTwo>
<nick:DerivativeDescriptionOfVariableRateBasisTwo contextRef="Context_2ME_01-Jun-2012T00_00_00_TO_30-Jul-2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">1-month LIBOR</nick:DerivativeDescriptionOfVariableRateBasisTwo>

<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">181000</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">181000</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">205000</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">0</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">205000</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:InterestRateDerivativeLiabilitiesAtFairValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">0</us-gaap:InterestRateDerivativeLiabilitiesAtFairValue>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">3388000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">3388000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">3388000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">1849000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">1849000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">1849000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
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<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">288904000</us-gaap:NotesReceivableFairValueDisclosure>
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<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">0</us-gaap:NotesReceivableFairValueDisclosure>
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<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">199000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FairValueByFairValueHierarchyLevelAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">199000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">211000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">0</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">211000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">0</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">211000000</us-gaap:LinesOfCreditFairValueDisclosure>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MaximumMember">P60M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MaximumMember">P72M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfFinanceReceivables>
<us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">8709000</us-gaap:CurrentFederalTaxExpenseBenefit>
<us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">7688000</us-gaap:CurrentFederalTaxExpenseBenefit>
<us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">6931000</us-gaap:CurrentFederalTaxExpenseBenefit>
<us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">1395000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
<us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">1196000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
<us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">1049000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
<us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">10104000</us-gaap:CurrentIncomeTaxExpenseBenefit>
<us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">8884000</us-gaap:CurrentIncomeTaxExpenseBenefit>
<us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">7980000</us-gaap:CurrentIncomeTaxExpenseBenefit>
<us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">1474000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
<us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">308000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
<us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-221000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
<us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">236000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
<us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">48000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
<us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-33000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">5552000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">5918000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">514000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">491000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
<us-gaap:DeferredTaxAssetsDerivativeInstruments contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">69000</us-gaap:DeferredTaxAssetsDerivativeInstruments>
<us-gaap:DeferredTaxAssetsDerivativeInstruments contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">78000</us-gaap:DeferredTaxAssetsDerivativeInstruments>
<us-gaap:DeferredTaxAssetsOther contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">226000</us-gaap:DeferredTaxAssetsOther>
<us-gaap:DeferredTaxAssetsOther contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">128000</us-gaap:DeferredTaxAssetsOther>
<us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">9981000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
<us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">9134000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
<us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">7037000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
<us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">1059000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
<us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">809000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
<us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">660000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
<nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">734000</nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost>
<nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-734000</nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost>
<nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">0</nick:EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost>
<us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">40000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
<us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">31000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
<us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">29000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
<us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="pure" decimals="4">0.4173</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
<us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="pure" decimals="4">0.3541</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
<us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="pure" decimals="4">0.3843</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
<us-gaap:IncomeTaxReconciliationNondeductibleExpense contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-5">2100000</us-gaap:IncomeTaxReconciliationNondeductibleExpense>
<us-gaap:IncomeTaxReconciliationNondeductibleExpense contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-5">2100000</us-gaap:IncomeTaxReconciliationNondeductibleExpense>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="4">0.0168</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="4">0.0158</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P5Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P5Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="2">0.23</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="2">0.23</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="4">0.0365</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="2">0.00</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">357000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="Context_As_Of_01_Apr_2015T00_00_00_TO_31_Mar_2015T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">363000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">10000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">10000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">3000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">3000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">198000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">10.07</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_01_Apr_2015T00_00_00_TO_31_Mar_2015T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">9.86</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">3.01</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">12.95</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">6.45</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">10.07</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">7.75</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember">P5Y9M</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember">P4Y15D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="-3">725000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="-3">725000</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">82000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber contextRef="Context_As_Of_01_Apr_2015T00_00_00_TO_31_Mar_2015T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">89000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">38000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">38000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">45000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">13.78</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="Context_As_Of_01_Apr_2015T00_00_00_TO_31_Mar_2015T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">13.56</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">13.27</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">12.93</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="0">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember">P1Y9M</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD" decimals="-3">879000</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested>

<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="Context_As_Of_13_Aug_2015T00_00_00_TO_13_Aug_2015T00_00_00_PlanNameAxis_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_DirectorMember" unitRef="shares" decimals="INF">750000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_DirectorMember" unitRef="shares" decimals="-5">1100000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_DirectorMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_EmployeesAndDirectorsMember">P5Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">699000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">1829000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">82000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_RangeAxis_MinimumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">1.20</nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_RangeAxis_MaximumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">10.96</nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_RangeAxis_MinimumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">3.60</nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_RangeAxis_MaximumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">10.96</nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice>
<us-gaap:DeferredTaxExpenseFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">267000</us-gaap:DeferredTaxExpenseFromStockOptionsExercised>
<us-gaap:DeferredTaxExpenseFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">700000</us-gaap:DeferredTaxExpenseFromStockOptionsExercised>
<us-gaap:DeferredTaxExpenseFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">31000</us-gaap:DeferredTaxExpenseFromStockOptionsExercised>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">246000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="USD" decimals="0">643000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P2Y7M6D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AwardTypeAxis_RestrictedStockMember">P1Y9M0D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<us-gaap:DefinedContributionPlanCostRecognized contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="0">7000</us-gaap:DefinedContributionPlanCostRecognized>
<us-gaap:DefinedContributionPlanCostRecognized contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="0">7000</us-gaap:DefinedContributionPlanCostRecognized>
<us-gaap:DefinedContributionPlanCostRecognized contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="0">7000</us-gaap:DefinedContributionPlanCostRecognized>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">2101000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">1610000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">1164000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">581000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">79000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">5535000</us-gaap:OperatingLeasesFutureMinimumPaymentsDue>
<us-gaap:LeaseAndRentalExpense contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-5">2000000</us-gaap:LeaseAndRentalExpense>
<us-gaap:LeaseAndRentalExpense contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-5">2100000</us-gaap:LeaseAndRentalExpense>
<us-gaap:LeaseAndRentalExpense contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-5">2300000</us-gaap:LeaseAndRentalExpense>
<us-gaap:Revenues contextRef="Context_3ME_01_Jan_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">21333000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD" decimals="-3">21723000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD" decimals="-3">21801000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD" decimals="-3">21933000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">22025000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD" decimals="-3">22687000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD" decimals="-3">22757000</us-gaap:Revenues>
<us-gaap:Revenues contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD" decimals="-3">23238000</us-gaap:Revenues>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jan_2015T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">8921000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD" decimals="-3">8089000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD" decimals="-3">8408000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD" decimals="-3">8935000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">8915000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD" decimals="-3">8940000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD" decimals="-3">8422000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD" decimals="-3">9040000</us-gaap:NoninterestExpense>


<us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">170000</us-gaap:PreferredStockDividendsAndOtherAdjustments>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">16703000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">16856000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">12209000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
<nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="shares" decimals="-3">12096000</nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities>
<nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="shares" decimals="-3">12013000</nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities>
<nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">7727000</nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities>
<nick:WeightedAverageParticipatingSecuritiesOutstanding contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="shares" xsi:nil="true"/>
<nick:WeightedAverageParticipatingSecuritiesOutstanding contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="shares" xsi:nil="true"/>
<nick:WeightedAverageParticipatingSecuritiesOutstanding contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">-105000</nick:WeightedAverageParticipatingSecuritiesOutstanding>


<us-gaap:UndistributedEarningsDiluted contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">2000</us-gaap:UndistributedEarningsDiluted>
<us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted contextRef="Context_FYE_01_Apr_2013T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="-3">16703000</us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted>
<us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">16856000</us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted>
<us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">12211000</us-gaap:UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted>
<nick:AdditionalTenderOfferCost contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">50000</nick:AdditionalTenderOfferCost>

<nick:TaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">38000</nick:TaxDeficiencyFromShareAwards>
<us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="4">0.0050</us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage>

<!-- Footnote Section -->
<link:footnoteLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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<xbrli:context id="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_StatementEquityComponentsAxis_TreasuryStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2015-04-01</xbrli:startDate><xbrli:endDate>2016-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<nick:AdditionalTenderOfferCost contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_StatementEquityComponentsAxis_TreasuryStockMember" unitRef="USD" decimals="-3">50000</nick:AdditionalTenderOfferCost>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember">&lt;table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="70%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td valign="bottom" width="4%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;(In&amp;#160;thousands)&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, gross contract&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;11,012&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,932&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,731&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(2,346&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(2,367&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(2,311&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, net of unearned interest&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,666&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,565&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8,420&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Allowance for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(748&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(590&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
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&lt;td valign="top"&gt;
&lt;p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"&gt;Direct finance receivables, net&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,918&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,862&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,830&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;"&gt;&amp;#160;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
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<xbrli:context id="Context_As_Of_17-Mar-2015T00_00_00_OfferTypeAxis_TenderOfferMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="nick:OfferTypeAxis">nick:TenderOfferMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2015-03-17</xbrli:instant></xbrli:period></xbrli:context>
	<nick:PercentageOfAggregateNumberOfCommonSharesPurchased contextRef="Context_As_Of_17-Mar-2015T00_00_00_OfferTypeAxis_TenderOfferMember" unitRef="pure" decimals="3">0.380</nick:PercentageOfAggregateNumberOfCommonSharesPurchased>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">17466000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">6069000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">3366000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2015-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">13694000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2015-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">3435000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2015-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">1330000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2014-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">11713000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2014-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">2944000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:CustomerContractsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2014-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">1897000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ConsumerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">161000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ConsumerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">41000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ConsumerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2016-03-31</xbrli:instant></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">38000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">15000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<xbrli:context id="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001000045</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ConsumerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">us-gaap:FinanceReceivablesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2014-03-31</xbrli:instant></xbrli:period></xbrli:context>
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	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">25000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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	<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31-Mar-2014T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">23000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
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<nick:NumberOfShareBasedCompensationPlans contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="EquityPlan" decimals="INF">2</nick:NumberOfShareBasedCompensationPlans>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00">Black-Scholes option-pricing model</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed>
<nick:InitialTermsOfDirectFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MaximumMember">P60M</nick:InitialTermsOfDirectFinanceReceivables>
<nick:InitialTermsOfDirectFinanceReceivables contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfDirectFinanceReceivables>
<us-gaap:NetIncomeLoss contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="USD" decimals="-3">12379000</us-gaap:NetIncomeLoss>
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<element name="TaxDeficiencyFromShareAwards" id="nick_TaxDeficiencyFromShareAwards" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DividendDeclarationAndPaymentPolicyTextBlock" id="nick_DividendDeclarationAndPaymentPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TenderOfferPolicyTextBlock" id="nick_TenderOfferPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AssetsHeldForResalePolicyTextBlock" id="nick_AssetsHeldForResalePolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DraftPayablePolicyTextBlock" id="nick_DraftPayablePolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" id="nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="StatementOfCashFlowPolicyTextBlock" id="nick_StatementOfCashFlowPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" id="nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" id="nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" id="nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" id="nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DateDeclaredMay72013Member" id="nick_DateDeclaredMay72013Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DateDeclaredAugust132013Member" id="nick_DateDeclaredAugust132013Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>





<element name="NumeratorAbstract" id="nick_NumeratorAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" id="nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="WeightedAverageParticipatingSecuritiesOutstanding" id="nick_WeightedAverageParticipatingSecuritiesOutstanding" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DividendDistributionWithholdingTaxPercentage" id="nick_DividendDistributionWithholdingTaxPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SignificantAccountingPoliciesTable" id="nick_SignificantAccountingPoliciesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
<element name="OfferTypeAxis" id="nick_OfferTypeAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
<element name="OfferTypeDomain" id="nick_OfferTypeDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TenderOfferMember" id="nick_TenderOfferMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SignificantAccountingPoliciesLineItems" id="nick_SignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfAggregateNumberOfCommonSharesPurchased" id="nick_PercentageOfAggregateNumberOfCommonSharesPurchased" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" id="nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfReceivableInterestDiscount" id="nick_PercentageOfReceivableInterestDiscount" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfBranches" id="nick_NumberOfBranches" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NotesReceivableNetUnearnedInterest" id="nick_NotesReceivableNetUnearnedInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="UnearnedDiscountIncludedInFinancingReceivables" id="nick_UnearnedDiscountIncludedInFinancingReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" id="nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableAllowanceForCreditLossesAbsorbed" id="nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="BankruptAccountsFinancingReceivableMember" id="nick_BankruptAccountsFinancingReceivableMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" id="nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" id="nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" id="nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" id="nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" id="nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" id="nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InitialTermsOfIndirectFinanceReceivables" id="nick_InitialTermsOfIndirectFinanceReceivables" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InitialTermsOfDirectFinanceReceivables" id="nick_InitialTermsOfDirectFinanceReceivables" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinanceReceivablesWeightedAverageInterestRate" id="nick_FinanceReceivablesWeightedAverageInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinanceReceivablesPercentage" id="nick_FinanceReceivablesPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PerformingAccountCriteriaMaximumPeriod" id="nick_PerformingAccountCriteriaMaximumPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NonPerformingAccountCriteriaMinimumPeriod" id="nick_NonPerformingAccountCriteriaMinimumPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DelinquentAccountCriteriaPeriod" id="nick_DelinquentAccountCriteriaPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LineOfCreditFacilityInterestRatePlusApplicableMargin" id="nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PeriodicSettlementsIncludedInInterestExpense" id="nick_PeriodicSettlementsIncludedInInterestExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PreTaxIncomeLossGainRecognizedInIncome" id="nick_PreTaxIncomeLossGainRecognizedInIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DerivativeAverageVariableInterestRateReceived" id="nick_DerivativeAverageVariableInterestRateReceived" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DerivativeAverageFixedInterestRatePaid" id="nick_DerivativeAverageFixedInterestRatePaid" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DerivativeDescriptionOfVariableRateBasisTwo" id="nick_DerivativeDescriptionOfVariableRateBasisTwo" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancialInstrumentsNotMeasuredAtFairValueTable" id="nick_FinancialInstrumentsNotMeasuredAtFairValueTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
<element name="FinancialInstrumentsNotMeasuredAtFairValueLineItems" id="nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InitialTermsOfFinanceReceivables" id="nick_InitialTermsOfFinanceReceivables" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" id="nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EquityPlansMember" id="nick_EquityPlansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EquityIncentivePlanMember" id="nick_EquityIncentivePlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" id="nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EmployeesAndDirectorsMember" id="nick_EmployeesAndDirectorsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfShareBasedCompensationPlans" id="nick_NumberOfShareBasedCompensationPlans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" id="nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" id="nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="IncomeTaxDeficiencyFromShareAwards" id="nick_IncomeTaxDeficiencyFromShareAwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true" xbrli:balance="debit"/>
<element name="IncreaseDecreaseInIncomeTaxesReceivableAndPayable" id="nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true" xbrli:balance="credit"/>

</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>18
<FILENAME>nick-20160331_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL Document Modified with Ez-Editor Version 1.6.0.0 on Monday, June 13, 2016 04:13:22 PM -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<roleRef xlink:type="simple" xlink:href="nick-20160331.xsd#ConsolidatedBalanceSheets" roleURI="http://www.nicholasfinancial.com/role/ConsolidatedBalanceSheets"/>
<calculationLink xlink:type="extended" xlink:role="http://www.nicholasfinancial.com/role/ConsolidatedBalanceSheets">
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Cash" xlink:label="loc_us-gaap_Cash"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_Cash" order="10" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="loc_us-gaap_NotesReceivableNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_NotesReceivableNet" order="20" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:label="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" order="30" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssets" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssets" order="40" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="loc_us-gaap_IncomeTaxReceivable"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_IncomeTaxReceivable" order="50" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet" order="60" use="optional" weight="1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="loc_us-gaap_DeferredTaxAssetsNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_DeferredTaxAssetsNet" order="70" use="optional" weight="1"/>
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<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>19
<FILENAME>nick-20160331_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>20
<FILENAME>nick-20160331_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AssetsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AssetsAbstract" xml:lang="en-US">Assets [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AssetsAbstract" xml:lang="en-US">Assets</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AssetsAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AssetsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Cash" xlink:label="loc_2JF107H7I93I_us-gaap_Cash"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_Cash" xml:lang="en-US">Cash</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Cash" xml:lang="en-US">Cash</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Cash" xml:lang="en-US">Cash, beginning of year</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Cash" xml:lang="en-US">Cash, end of year</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_Cash" xlink:to="lab_4LH329J9K15K_us-gaap_Cash"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NotesReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NotesReceivableNet" xml:lang="en-US">Financing Receivable, Net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NotesReceivableNet" xml:lang="en-US">Finance receivables, net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NotesReceivableNet" xml:lang="en-US">Indirect finance receivables, net</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NotesReceivableNet" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NotesReceivableNet"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:label="loc_2JF107H7I93I_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xml:lang="en-US">Assets held for resale</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xml:lang="en-US">Assets held for resale</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="lab_4LH329J9K15K_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssets" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PrepaidExpenseAndOtherAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PrepaidExpenseAndOtherAssets" xml:lang="en-US">Prepaid Expense and Other Assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PrepaidExpenseAndOtherAssets" xml:lang="en-US">Prepaid expenses and other assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PrepaidExpenseAndOtherAssets" xml:lang="en-US">Prepaid expenses and other assets</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PrepaidExpenseAndOtherAssets"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="loc_2JF107H7I93I_us-gaap_IncomeTaxReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReceivable" xml:lang="en-US">Income Taxes Receivable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReceivable" xml:lang="en-US">Income taxes receivable</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_IncomeTaxReceivable" xlink:to="lab_4LH329J9K15K_us-gaap_IncomeTaxReceivable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property and equipment, net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Net Book Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net, Beginning Balance</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net, Ending Balance</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentNet"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="loc_2JF107H7I93I_us-gaap_DeferredTaxAssetsNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsNet" xml:lang="en-US">Deferred Tax Assets, Net of Valuation Allowance</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsNet" xml:lang="en-US">Deferred income taxes</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsNet" xml:lang="en-US">Deferred income taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DeferredTaxAssetsNet" xlink:to="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsNet"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Assets" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_Assets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_Assets" xml:lang="en-US">Assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_Assets" xml:lang="en-US">Total assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_Assets" xml:lang="en-US">Total assets</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_Assets" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_Assets"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xml:lang="en-US">Liabilities and Equity [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xml:lang="en-US">Liabilities and shareholders' equity</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LettersOfCreditOutstandingAmount" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LettersOfCreditOutstandingAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LettersOfCreditOutstandingAmount" xml:lang="en-US">Letters of Credit Outstanding, Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LettersOfCreditOutstandingAmount" xml:lang="en-US">Line of credit</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LettersOfCreditOutstandingAmount" xml:lang="en-US">Long-term Line of Credit, Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LettersOfCreditOutstandingAmount" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LettersOfCreditOutstandingAmount"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DraftsPayable" xlink:label="loc_2JF107H7I93I_us-gaap_DraftsPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DraftsPayable" xml:lang="en-US">Drafts Payable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DraftsPayable" xml:lang="en-US">Drafts payable</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DraftsPayable" xlink:to="lab_4LH329J9K15K_us-gaap_DraftsPayable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US">Accounts Payable and Accrued Liabilities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US">Accounts payable and accrued expenses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US">Accounts payable and accrued expenses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredRevenue" xlink:label="loc_2JF107H7I93I_us-gaap_DeferredRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredRevenue" xml:lang="en-US">Deferred Revenue</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredRevenue" xml:lang="en-US">Deferred revenues</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DeferredRevenue" xlink:to="lab_4LH329J9K15K_us-gaap_DeferredRevenue"/>




<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_2JF107H7I93I_us-gaap_Liabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_Liabilities" xml:lang="en-US">Liabilities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Liabilities" xml:lang="en-US">Total liabilities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Liabilities" xml:lang="en-US">Total liabilities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_Liabilities" xlink:to="lab_4LH329J9K15K_us-gaap_Liabilities"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CommitmentsAndContingencies"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommitmentsAndContingencies" xml:lang="en-US">Commitments and Contingencies</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommitmentsAndContingencies" xml:lang="en-US">Commitments and contingencies</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CommitmentsAndContingencies" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CommitmentsAndContingencies"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xml:lang="en-US">Stockholders Equity, Including Portion Attributable To Noncontrolling Interest [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xml:lang="en-US">Shareholders' equity:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PreferredStockValueOutstanding" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockValueOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockValueOutstanding" xml:lang="en-US">Preferred Stock, Value, Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockValueOutstanding" xml:lang="en-US">Preferred stock, no par: 5,000 shares authorized; none issued</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockValueOutstanding" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockValueOutstanding"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockValueOutstanding" xlink:label="loc_2JF107H7I93I_us-gaap_CommonStockValueOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockValueOutstanding" xml:lang="en-US">Common Stock, Value, Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockValueOutstanding" xml:lang="en-US">Common stock, no par: 50,000 shares authorized; 12,466 and 12,416 shares issued respectively; 7,753 and 7,702 shares outstanding, respectively</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury Stock, Value</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_2JF107H7I93I_us-gaap_RetainedEarningsAccumulatedDeficit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained earnings</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained earnings</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity" xml:lang="en-US">Total shareholders' equity</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity" xml:lang="en-US">Balance</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity" xml:lang="en-US">Balance</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StockholdersEquity" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StockholdersEquity"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_2JF107H7I93I_us-gaap_LiabilitiesAndStockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Liabilities and Equity</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Total liabilities and shareholders' equity</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Total liabilities and shareholders' equity</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_4LH329J9K15K_us-gaap_LiabilitiesAndStockholdersEquity"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockNoParValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockNoParValue" xml:lang="en-US">Us-Gaap_Preferredstocknoparvalue</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockNoParValue" xml:lang="en-US">Preferred stock, no par value (in dollars per share)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockNoParValue" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockNoParValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="loc_2JF107H7I93I_us-gaap_PreferredStockSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PreferredStockSharesAuthorized" xml:lang="en-US">Preferred Stock, Shares Authorized</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PreferredStockSharesAuthorized" xml:lang="en-US">Preferred stock, shares authorized</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_4LH329J9K15K_us-gaap_PreferredStockSharesAuthorized"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockSharesIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred Stock, Shares Issued</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred stock, shares issued</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred Stock, Shares Issued, Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PreferredStockSharesIssued" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PreferredStockSharesIssued"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockNoParValue" xlink:label="loc_2JF107H7I93I_us-gaap_CommonStockNoParValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockNoParValue" xml:lang="en-US">Common Stock, No Par Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockNoParValue" xml:lang="en-US">Common stock, no par value (in dollars per share)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CommonStockNoParValue" xlink:to="lab_4LH329J9K15K_us-gaap_CommonStockNoParValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CommonStockSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US">Common Stock, Shares Authorized</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US">Common stock, shares authorized</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesAuthorized"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_2JF107H7I93I_us-gaap_CommonStockSharesIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common Stock, Shares, Issued</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common stock, shares issued</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common Stock, Shares, Issued, Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CommonStockSharesIssued" xlink:to="lab_4LH329J9K15K_us-gaap_CommonStockSharesIssued"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CommonStockSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US">Common Stock, Shares, Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US">Common shares outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US">Common stock, shares outstanding</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CommonStockSharesOutstanding"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="loc_2JF107H7I93I_us-gaap_TreasuryStockShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury Stock, Shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury stock, shares</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_TreasuryStockShares" xlink:to="lab_4LH329J9K15K_us-gaap_TreasuryStockShares"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncomeStatementAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeStatementAbstract" xml:lang="en-US">Income Statement [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeStatementAbstract" xml:lang="en-US">Consolidated Statements of Income</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_IncomeStatementAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeStatementAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_RevenuesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_RevenuesAbstract" xml:lang="en-US">Revenues [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RevenuesAbstract" xml:lang="en-US">Revenue:</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xml:lang="en-US">Interest and Fee Income, Loans, Consumer Installment, Automobiles, Marine, and Other Vehicles</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xml:lang="en-US">Interest and fee income on finance receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_OperatingExpensesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingExpensesAbstract" xml:lang="en-US">Operating Expenses [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingExpensesAbstract" xml:lang="en-US">Expenses:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_OperatingExpensesAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_OperatingExpensesAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_MarketingExpense" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_MarketingExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_MarketingExpense" xml:lang="en-US">Marketing Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_MarketingExpense" xml:lang="en-US">Marketing</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_MarketingExpense" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_MarketingExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="loc_2JF107H7I93I_us-gaap_LaborAndRelatedExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Labor and Related Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Salaries and employee benefits</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Salaries and employee benefits</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LaborAndRelatedExpense" xlink:to="lab_4LH329J9K15K_us-gaap_LaborAndRelatedExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ProfessionalFees"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ProfessionalFees" xml:lang="en-US">Professional Fees</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ProfessionalFees" xml:lang="en-US">Professional fees</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ProfessionalFees" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ProfessionalFees"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="loc_2JF107H7I93I_us-gaap_GeneralAndAdministrativeExpense"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US">Administrative</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DepreciationNonproduction" xlink:label="loc_2JF107H7I93I_us-gaap_DepreciationNonproduction"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DepreciationNonproduction" xml:lang="en-US">Depreciation, Nonproduction</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestExpense" xml:lang="en-US">Interest Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestExpense" xml:lang="en-US">Interest expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestExpense" xml:lang="en-US">Interest expense</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:label="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Increase (Decrease) In Fair Value Of Interest Rate Fair Value Hedging Instruments</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Periodic change in fair value of interest rate swap agreements</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Change in fair value of interest rate swaps</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Change in fair value of interest rate swap agreements</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xml:lang="en-US">Periodic change in fair value of interest rate swap agreements</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_OperatingExpenses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingExpenses" xml:lang="en-US">Operating Expenses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingExpenses" xml:lang="en-US">Operating Expenses, Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingExpenses" xml:lang="en-US">Total operating expenses</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="loc_2JF107H7I93I_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Extraordinary Items, Noncontrolling Interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Operating income before income taxes</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Operating income before income taxes</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_2JF107H7I93I_us-gaap_NetIncomeLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NetIncomeLoss" xml:lang="en-US">Net Income (Loss) Attributable to Parent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income per consolidated statements of income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetIncomeLoss" xml:lang="en-US">Numerator for earnings per share - net income</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EarningsPerShareAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareAbstract" xml:lang="en-US">Earnings Per Share [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareAbstract" xml:lang="en-US">Earnings per share:</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="loc_2JF107H7I93I_us-gaap_EarningsPerShareBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Earnings Per Share, Basic</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Basic (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Basic earnings per share (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Basic (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Earnings per share - basic (in dollars per share)</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EarningsPerShareDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings Per Share, Diluted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted earnings per share (in dollars per share)</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings per share - diluted (in dollars per share)</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockDividendsPerShareDeclared" xml:lang="en-US">Dividends declared per share (in dollars per share)</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StatementOfStockholdersEquityAbstract"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StatementTable" xml:lang="en-US">Statement [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StatementTable" xml:lang="en-US">Statement [Table]</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StatementEquityComponentsAxis"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockMember" xml:lang="en-US">Common Stock</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_TreasuryStockMember" xml:lang="en-US">Treasury Stock</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="loc_2JF107H7I93I_us-gaap_RetainedEarningsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_RetainedEarningsMember" xml:lang="en-US">Retained Earnings [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RetainedEarningsMember" xml:lang="en-US">Retained Earnings</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_RetainedEarningsMember" xlink:to="lab_4LH329J9K15K_us-gaap_RetainedEarningsMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EquityComponentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EquityComponentDomain" xml:lang="en-US">Equity Component [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EquityComponentDomain" xml:lang="en-US">Equity Component [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_EquityComponentDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_EquityComponentDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_2JF107H7I93I_us-gaap_StatementLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StatementLineItems" xml:lang="en-US">Statement [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StatementLineItems" xml:lang="en-US">Statement [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StatementLineItems" xlink:to="lab_4LH329J9K15K_us-gaap_StatementLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xml:lang="en-US">Increase (Decrease) In Stockholders' Equity [Roll Forward]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharesOutstanding" xlink:label="loc_2JF107H7I93I_us-gaap_SharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharesOutstanding" xml:lang="en-US">Shares, Outstanding, Beginning Balance</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharesOutstanding" xml:lang="en-US">Common stock, shares outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharesOutstanding" xml:lang="en-US">Balance (in shares)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharesOutstanding" xml:lang="en-US">Balance (in shares)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharesOutstanding" xlink:to="lab_4LH329J9K15K_us-gaap_SharesOutstanding"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US">Stock Issued During Period, Value, Stock Options Exercised</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US">Issuance of common stock under stock options</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="loc_2JF107H7I93I_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercises In Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US">Exercised, shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US">Issuance of common stock under stock options (in shares)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US">Number of stock options exercised</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US">Exercised</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xml:lang="en-US">Stock Issued During Period, Shares, Restricted Stock Award, Net Of Forfeitures</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xml:lang="en-US">Grants of restricted share awards, net of forfeitures (in shares)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>






<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xml:lang="en-US">Employee Service Share-Based Compensation, Tax Benefit From Compensation Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xml:lang="en-US">Excess tax benefit on share awards, net</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross" xlink:label="loc_2JF107H7I93I_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross" xml:lang="en-US">Stock Issued During Period, Value, Share-Based Compensation, Gross</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross" xml:lang="en-US">Share-based compensation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross" xlink:to="lab_4LH329J9K15K_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsCommonStockCash"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsCommonStockCash" xml:lang="en-US">Dividends, Common Stock, Cash</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsCommonStockCash" xml:lang="en-US">Cash dividend</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsCommonStockCash" xml:lang="en-US">Cash dividend</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsCommonStockCash" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsCommonStockCash"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodValue" xlink:label="loc_2JF107H7I93I_us-gaap_StockRepurchasedDuringPeriodValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StockRepurchasedDuringPeriodValue" xml:lang="en-US">Stock Repurchased During Period, Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StockRepurchasedDuringPeriodValue" xml:lang="en-US">Common shares purchased</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US">Common shares purchased</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_4LH329J9K15K_us-gaap_StockRepurchasedDuringPeriodValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StockRepurchasedDuringPeriodShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockRepurchasedDuringPeriodShares" xml:lang="en-US">Stock Repurchased During Period, Shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockRepurchasedDuringPeriodShares" xml:lang="en-US">Common shares purchased (in shares)</label>
<label xlink:type="resource" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US">Common shares purchased (in shares)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StockRepurchasedDuringPeriodShares"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_AdditionalTenderOfferCost" xlink:label="loc_2JF107H7I93I_nick_AdditionalTenderOfferCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost" xml:lang="en-US">Additional Tender Offer Cost</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost" xml:lang="en-US">Additional tender offer cost</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost" xml:lang="en-US">Represent additional tender offer cost.</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Additional tender offer cost</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US">Additional tender offer cost</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_AdditionalTenderOfferCost" xlink:to="lab_4LH329J9K15K_nick_AdditionalTenderOfferCost"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StatementOfCashFlowsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US">Statement of Cash Flows [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US">Consolidated Statements of Cash Flows (Operating Activities)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StatementOfCashFlowsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Operating Activities, Continuing Operations [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Cash flows from operating activities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Adjustments To Reconcile Net Income (Loss) To Cash Provided By (Used In) Operating Activities [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="loc_2JF107H7I93I_us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">Gain (Loss) On Sale Of Property Plant Equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">(Gain) loss on sale of property and equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment, Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">(Gain) loss on sale of property and equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="lab_4LH329J9K15K_us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AdjustmentForAmortization" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AdjustmentForAmortization"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentForAmortization" xml:lang="en-US">Amortization</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentForAmortization" xml:lang="en-US">Amortization of dealer discounts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AdjustmentForAmortization" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AdjustmentForAmortization"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_2JF107H7I93I_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred income taxes</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Total deferred</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred income taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_4LH329J9K15K_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-Based Compensation</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-based compensation</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-based compensation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensation" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensation"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xml:lang="en-US">Increase (Decrease) In Operating Capital [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xml:lang="en-US">Changes in operating assets and liabilities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US">Increase (Decrease) In Prepaid Expense and Other Assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US">Prepaid expenses and other assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US">Prepaid expenses and other assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US">Prepaid expenses and other assets</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xml:lang="en-US">Increase (Decrease) In Accounts Payable and Accrued Liabilities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xml:lang="en-US">Accounts payable and accrued expenses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xml:lang="en-US">Accounts payable and accrued expenses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:to="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>




<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:label="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInDeferredRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInDeferredRevenue" xml:lang="en-US">Increase (Decrease) In Deferred Revenue</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInDeferredRevenue" xml:lang="en-US">Deferred revenues</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:to="lab_4LH329J9K15K_us-gaap_IncreaseDecreaseInDeferredRevenue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities, Continuing Operations</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xml:lang="en-US">Net cash provided by operating activities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xml:lang="en-US">Net cash provided by operating activities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Investing Activities, Continuing Operations [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Cash flows from investing activities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PurchaseAndOriginationOfFinanceContracts" xlink:label="loc_31290F3J262G9III3F2F_nick_PurchaseAndOriginationOfFinanceContracts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PurchaseAndOriginationOfFinanceContracts" xml:lang="en-US">Purchase and Origination Of Finance Contracts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PurchaseAndOriginationOfFinanceContracts" xml:lang="en-US">Purchase and origination of finance receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PurchaseAndOriginationOfFinanceContracts" xml:lang="en-US">The cash outflow associated with the acquisition and origination of finance contracts.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PurchaseAndOriginationOfFinanceContracts" xml:lang="en-US">Purchase and origination of finance contracts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_PurchaseAndOriginationOfFinanceContracts" xlink:to="lab_53412H5L484I1KKK5H4H_nick_PurchaseAndOriginationOfFinanceContracts"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:label="loc_2JF107H7I93I_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xml:lang="en-US">Proceeds From Principal Repayments On Loans and Leases Held-For-Investment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xml:lang="en-US">Principal payments received including recoveries</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:to="lab_4LH329J9K15K_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_IncreaseInAssetsHeldForResale" xlink:label="loc_31290F3J262G9III3F2F_nick_IncreaseInAssetsHeldForResale"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_IncreaseInAssetsHeldForResale" xml:lang="en-US">Increase In Assets Held For Resale</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_IncreaseInAssetsHeldForResale" xml:lang="en-US">Increase in assets held for resale</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_IncreaseInAssetsHeldForResale" xml:lang="en-US">The cash outflow associated with assets held for resale.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_IncreaseInAssetsHeldForResale" xml:lang="en-US">Increase in assets held for resale</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_IncreaseInAssetsHeldForResale" xlink:to="lab_53412H5L484I1KKK5H4H_nick_IncreaseInAssetsHeldForResale"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_2JF107H7I93I_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Payments To Acquire Property, Plant, and Equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchase of property and equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchase of property and equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchase of property and equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="lab_4LH329J9K15K_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xml:lang="en-US">Proceeds From Sale Of Property, Plant, and Equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xml:lang="en-US">Proceeds from sale of property and equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xml:lang="en-US">Proceeds from sale of property and equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xml:lang="en-US">Net Cash Provided By (Used In) Investing Activities, Continuing Operations</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xml:lang="en-US">Net cash used in investing activities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xml:lang="en-US">Net cash used in investing activities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="lab_4LH329J9K15K_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Financing Activities, Continuing Operations [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xml:lang="en-US">Cash flows from financing activities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xlink:label="loc_2JF107H7I93I_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xml:lang="en-US">Proceeds from (Repayments of) Lines of Credit</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xml:lang="en-US">Net proceeds from line of credit</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xml:lang="en-US">Proceeds from Lines of Credit, Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xlink:to="lab_4LH329J9K15K_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PaymentsOfDividends"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDividends" xml:lang="en-US">Payments Of Dividends</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDividends" xml:lang="en-US">Payment of cash dividends</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDividends" xml:lang="en-US">Payment of cash dividend</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PaymentsOfDividends" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDividends"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_IncreaseDecreaseInDraftsPayable" xlink:label="loc_2JF107H7I93I_nick_IncreaseDecreaseInDraftsPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_IncreaseDecreaseInDraftsPayable" xml:lang="en-US">Increase (Decrease) In Drafts Payable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_IncreaseDecreaseInDraftsPayable" xml:lang="en-US">Decrease in drafts payable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_IncreaseDecreaseInDraftsPayable" xml:lang="en-US">The increase (decrease) during the reporting in the amount of Draft payable.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_nick_IncreaseDecreaseInDraftsPayable" xml:lang="en-US">(Decrease) increase in drafts payable</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PaymentsOfDebtIssuanceCosts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDebtIssuanceCosts" xml:lang="en-US">Payments of Debt Issuance Costs</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDebtIssuanceCosts" xml:lang="en-US">Payment of debt origination costs</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PaymentsOfDebtIssuanceCosts"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="loc_2JF107H7I93I_us-gaap_ProceedsFromStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US">Proceeds From Stock Options Exercised</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US">Cash received from exercise of option</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US">Proceeds from exercise of share awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ProceedsFromStockOptionsExercised" xlink:to="lab_4LH329J9K15K_us-gaap_ProceedsFromStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xml:lang="en-US">Excess Tax Benefit From Share-Based Compensation, Financing Activities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xml:lang="en-US">Excess tax benefits of stock options</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="loc_2JF107H7I93I_us-gaap_PaymentsForRepurchaseOfCommonStock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Payments for Repurchase of Common Stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Payment for common stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Purchase of common shares</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_4LH329J9K15K_us-gaap_PaymentsForRepurchaseOfCommonStock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xml:lang="en-US">Net Cash Provided By (Used In) Financing Activities, Continuing Operations</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xml:lang="en-US">Net cash (used) provided by financing activities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xml:lang="en-US">Net cash provided by financing activities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CashPeriodIncreaseDecrease" xlink:label="loc_2JF107H7I93I_us-gaap_CashPeriodIncreaseDecrease"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CashPeriodIncreaseDecrease" xml:lang="en-US">Cash, Period Increase (Decrease), Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CashPeriodIncreaseDecrease" xml:lang="en-US">Net increase (decrease) in cash</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CashPeriodIncreaseDecrease" xml:lang="en-US">Net (decrease) increase in cash</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CashPeriodIncreaseDecrease" xlink:to="lab_4LH329J9K15K_us-gaap_CashPeriodIncreaseDecrease"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xml:lang="en-US">Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xml:lang="en-US">Supplemental disclosure of noncash investing and financing activities:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_TaxDeficiencyFromShareAwards" xlink:label="loc_2JF107H7I93I_nick_TaxDeficiencyFromShareAwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_TaxDeficiencyFromShareAwards" xml:lang="en-US">Tax Deficiency From Share Awards</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_TaxDeficiencyFromShareAwards" xml:lang="en-US">Tax deficiency from share awards</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_TaxDeficiencyFromShareAwards" xml:lang="en-US">Represent tax deficiency from share awards</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_nick_TaxDeficiencyFromShareAwards" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US">Tax deficiency from share awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_TaxDeficiencyFromShareAwards" xlink:to="lab_4LH329J9K15K_nick_TaxDeficiencyFromShareAwards"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US">Organization, Consolidation and Presentation Of Financial Statements [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock" xml:lang="en-US">Business Description and Basis Of Presentation [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock" xml:lang="en-US">Organization and Basis of Presentation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AccountingPoliciesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AccountingPoliciesAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_SignificantAccountingPoliciesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US">Significant Accounting Policies [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US">Summary of Significant Accounting Policies</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_SignificantAccountingPoliciesTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ReceivablesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivablesAbstract" xml:lang="en-US">Receivables [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivablesAbstract" xml:lang="en-US">Receivables [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ReceivablesAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivablesAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivablesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivablesTextBlock" xml:lang="en-US">Financing Receivables [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivablesTextBlock" xml:lang="en-US">Finance Receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivablesTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivablesTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US">Property, Plant and Equipment [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US">Property, Plant and Equipment [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US">Property and Equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityAbstract" xml:lang="en-US">Line Of Credit Facility [Abstract]</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_AssetsHeldForResalePolicyTextBlock" xml:lang="en-US">Assets Held For Resale [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_AssetsHeldForResalePolicyTextBlock" xml:lang="en-US">Assets Held for Resale</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_AssetsHeldForResalePolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy regarding long lived assets stated at net realizable value, including, if applicable, disposal assets to be sold that meet the criteria for "held for resale" assets.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_AssetsHeldForResalePolicyTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_nick_AssetsHeldForResalePolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US">Property and Equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DraftPayablePolicyTextBlock" xlink:label="loc_31290F3J262G9III3F2F_nick_DraftPayablePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DraftPayablePolicyTextBlock" xml:lang="en-US">Draft Payable [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DraftPayablePolicyTextBlock" xml:lang="en-US">Drafts Payable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DraftPayablePolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy regarding checks disbursed for loan purchases which have not yet been funded.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DraftPayablePolicyTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DraftPayablePolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_IncomeTaxPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US">Income Taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_IncomeTaxPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_RevenueRecognitionPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_RevenueRecognitionPolicyTextBlock" xml:lang="en-US">Revenue Recognition, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_RevenueRecognitionPolicyTextBlock" xml:lang="en-US">Revenue Recognition</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_RevenueRecognitionPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_EarningsPerSharePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerSharePolicyTextBlock" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerSharePolicyTextBlock" xml:lang="en-US">Earnings Per Share</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_EarningsPerSharePolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xml:lang="en-US">Share-Based Compensation, Option and Incentive Plans Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xml:lang="en-US">Share-Based Payments</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US">Fair Value Measurement, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US">Fair Value Measurements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xlink:label="loc_31290F3J262G9III3F2F_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xml:lang="en-US">Fair Value Of Financial Instrument and Concentration Of Credit Risk [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xml:lang="en-US">Financial Instruments and Concentrations</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy for concentration of credit risk and determining the fair value of financial instruments.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativesPolicyTextBlock" xml:lang="en-US">Derivatives, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativesPolicyTextBlock" xml:lang="en-US">Interest Rate Swap Agreements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativesPolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativesPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_StatementOfCashFlowPolicyTextBlock" xlink:label="loc_31290F3J262G9III3F2F_nick_StatementOfCashFlowPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_StatementOfCashFlowPolicyTextBlock" xml:lang="en-US">Statement Of Cash Flow [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_StatementOfCashFlowPolicyTextBlock" xml:lang="en-US">Statements of Cash Flows</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_StatementOfCashFlowPolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy for regarding statement of cash flow.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_StatementOfCashFlowPolicyTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_nick_StatementOfCashFlowPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US">Recent Accounting Pronouncements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsDeclaredTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsDeclaredTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsDeclaredTableTextBlock" xml:lang="en-US">Dividends Declared [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsDeclaredTableTextBlock" xml:lang="en-US">Schedule of cash dividends declared</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsDeclaredTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsDeclaredTableTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xlink:label="loc_2JF107H7I93I_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xml:lang="en-US">Property and Equipment Estimated Useful Lives [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xml:lang="en-US">Schedule of property and equipment estimated useful lives</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xml:lang="en-US">Tabular disclosure of property and equipment estimated useful lives of the asset.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xlink:to="lab_4LH329J9K15K_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US">Schedule of computation of basic and diluted earnings per share</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xml:lang="en-US">Class of Financing Receivable [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xml:lang="en-US">Class of Financing Receivable [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xml:lang="en-US">Class of Financing Receivable [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xml:lang="en-US">Class of Financing Receivable [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CustomerContractsMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CustomerContractsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CustomerContractsMember" xml:lang="en-US">Customer Contracts [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CustomerContractsMember" xml:lang="en-US">Contracts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CustomerContractsMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CustomerContractsMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:label="loc_2JF107H7I93I_us-gaap_ConsumerLoanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ConsumerLoanMember" xml:lang="en-US">Consumer Loan [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ConsumerLoanMember" xml:lang="en-US">Direct Loans</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ConsumerLoanMember" xml:lang="en-US">Direct Loans</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ConsumerLoanMember" xlink:to="lab_4LH329J9K15K_us-gaap_ConsumerLoanMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsNotesAndLoansReceivableLineItems" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AccountsNotesAndLoansReceivableLineItems" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xml:lang="en-US">Schedule Of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xml:lang="en-US">Schedule of finance receivables</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xml:lang="en-US">Allowance For Credit Losses On Financing Receivables [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xml:lang="en-US">Schedule of reconciliation of the changes in the allowance for credit losses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xml:lang="en-US">Schedule of an assessment of the credit quality by creditworthiness</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xml:lang="en-US">Schedule Of Information Regarding Delinquency Rates [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xml:lang="en-US">Schedule of information regarding delinquency rates</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xml:lang="en-US">Tabular disclosure of information regarding delinquency rates.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US">Property, Plant and Equipment [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US">Schedule of property and equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xml:lang="en-US">Schedule Of Derivative Instruments, Gain (Loss) In Statement Of Financial Performance [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xml:lang="en-US">Schedule of locations and amounts of losses recognized in income</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xlink:label="loc_2JF107H7I93I_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xml:lang="en-US">Schedule Of Average Variable Rates Received and Average Fixed Rates Paid Under Swap Agreements [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xml:lang="en-US">Schedule of variable rates received and average fixed rates paid under the swap agreements</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xml:lang="en-US">Tabular disclosure of average variable rates received and average fixed rates paid under swap agreements.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xlink:to="lab_4LH329J9K15K_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xml:lang="en-US">Schedule Of Fair Value, Assets and Liabilities Measured On Recurring Basis [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xml:lang="en-US">Schedule of assets and liabilities recorded at fair value on a recurring basis</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xml:lang="en-US">Fair Value, By Balance Sheet Grouping [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xml:lang="en-US">Schedule of financial instruments not measured at fair value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xml:lang="en-US">Schedule Of Components Of Income Tax Expense (Benefit) [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xml:lang="en-US">Schedule of provision for income taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US">Schedule Of Deferred Tax Assets and Liabilities [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US">Schedule of deferred tax assets and liabilities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US">Schedule Of Effective Income Tax Rate Reconciliation [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US">Schedule of provision for income taxes reflects an effective tax rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xml:lang="en-US">Schedule Of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xml:lang="en-US">Schedule of grant using the black scholes option-pricing model with weighted-average assumptions</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US">Schedule Of Share-Based Compensation, Stock Options, Activity [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US">Schedule of option activity under the equity plans</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xml:lang="en-US">Schedule Of Nonvested Restricted Stock Units Activity [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xml:lang="en-US">Schedule of non-vested restricted shares under the 2006 plan</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xml:lang="en-US">Schedule Of Future Minimum Rental Payments For Operating Leases [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xml:lang="en-US">Schedule of future minimum rental payments under operating lease</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xml:lang="en-US">Schedule Of Quarterly Financial Information [Table Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xml:lang="en-US">Schedule of quarterly results of operations</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" xlink:label="loc_31290F3J262G9III3F2F_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" xml:lang="en-US">Percentage Of Revenue Of Subsidiary To Holding Company Revenue</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" xml:lang="en-US">Sales of NDS to the Company's consolidated revenues</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" xml:lang="en-US">Represents the revenue of wholly owned subsidiary as compared to the consolidated revenue of holding company.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue" xlink:to="lab_53412H5L484I1KKK5H4H_nick_PercentageOfRevenueOfSubsidiaryToHoldingCompanyRevenue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="loc_2JF107H7I93I_us-gaap_NumberOfReportableSegments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NumberOfReportableSegments" xml:lang="en-US">Number of Reportable Segments</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NumberOfReportableSegments" xml:lang="en-US">Number of reportable segments</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NumberOfReportableSegments" xlink:to="lab_4LH329J9K15K_us-gaap_NumberOfReportableSegments"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsPayableTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableTable" xml:lang="en-US">Dividends Payable [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableTable" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsAxis" xlink:label="loc_2JF107H7I93I_us-gaap_DividendsAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DividendsAxis" xml:lang="en-US">Dividends [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DividendsAxis" xlink:to="lab_4LH329J9K15K_us-gaap_DividendsAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsDomain" xml:lang="en-US">Dividends [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsDomain"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DateDeclaredMay72013Member" xlink:label="loc_2JF107H7I93I_nick_DateDeclaredMay72013Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_DateDeclaredMay72013Member" xml:lang="en-US">Date Declared May 7 2013 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_DateDeclaredMay72013Member" xml:lang="en-US">May 7, 2013</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_DateDeclaredMay72013Member" xml:lang="en-US">Represents declared date May 7, 2013.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_DateDeclaredMay72013Member" xlink:to="lab_4LH329J9K15K_nick_DateDeclaredMay72013Member"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DateDeclaredAugust132013Member" xlink:label="loc_31290F3J262G9III3F2F_nick_DateDeclaredAugust132013Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DateDeclaredAugust132013Member" xml:lang="en-US">Date Declared August 13 2013 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DateDeclaredAugust132013Member" xml:lang="en-US">August 13, 2013</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DateDeclaredAugust132013Member" xml:lang="en-US">Represents declared date August 13, 2013.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DateDeclaredAugust132013Member" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DateDeclaredAugust132013Member"/>

























<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsPayableLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableLineItems" xml:lang="en-US">Dividends Payable [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid" xlink:label="loc_2JF107H7I93I_us-gaap_CommonStockDividendsPerShareCashPaid"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockDividendsPerShareCashPaid" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockDividendsPerShareCashPaid" xml:lang="en-US">Amount of Dividend</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CommonStockDividendsPerShareCashPaid" xml:lang="en-US">Dividend paid in cash (in dollars per share)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="lab_4LH329J9K15K_us-gaap_CommonStockDividendsPerShareCashPaid"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date Declared</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xml:lang="en-US">Date Declared</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xml:lang="en-US">Dividends payable, date declared</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xlink:label="loc_2JF107H7I93I_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date of Record</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xml:lang="en-US">Record Date</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xml:lang="en-US">Dividends payable, date of record</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear" xlink:to="lab_4LH329J9K15K_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DividendPayableDateToBePaidDayMonthAndYear"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xml:lang="en-US">Dividends Payable, Date to be Paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xml:lang="en-US">Date Paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xml:lang="en-US">Dividends payable, date to be paid</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DividendPayableDateToBePaidDayMonthAndYear" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DividendPayableDateToBePaidDayMonthAndYear"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="loc_2JF107H7I93I_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xml:lang="en-US">Schedule Of Property, Plant and Equipment [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xml:lang="en-US">Schedule of Property, Plant and Equipment [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_4LH329J9K15K_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTypeDomain" xml:lang="en-US">Property, Plant and Equipment, Type [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTypeDomain" xml:lang="en-US">Property, Plant and Equipment, Type [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AutomobilesMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AutomobilesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AutomobilesMember" xml:lang="en-US">Automobiles [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AutomobilesMember" xml:lang="en-US">Automobiles</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AutomobilesMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AutomobilesMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EquipmentMember" xlink:label="loc_2JF107H7I93I_us-gaap_EquipmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EquipmentMember" xml:lang="en-US">Equipment [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EquipmentMember" xml:lang="en-US">Equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EquipmentMember" xlink:to="lab_4LH329J9K15K_us-gaap_EquipmentMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FurnitureAndFixturesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FurnitureAndFixturesMember" xml:lang="en-US">Furniture and Fixtures [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FurnitureAndFixturesMember" xml:lang="en-US">Furniture and fixtures</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FurnitureAndFixturesMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FurnitureAndFixturesMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:label="loc_2JF107H7I93I_us-gaap_LeaseholdImprovementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US">Leasehold Improvements [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US">Leasehold improvements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LeaseholdImprovementsMember" xlink:to="lab_4LH329J9K15K_us-gaap_LeaseholdImprovementsMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US">Property, Plant and Equipment [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US">Property, Plant and Equipment [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xlink:label="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xml:lang="en-US">Property, Plant and Equipment, Estimated Useful Lives</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xml:lang="en-US">Estimated useful lives</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xlink:to="lab_4LH329J9K15K_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NumeratorAbstract" xlink:label="loc_31290F3J262G9III3F2F_nick_NumeratorAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NumeratorAbstract" xml:lang="en-US">Numerator [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NumeratorAbstract" xml:lang="en-US">Numerator:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_NumeratorAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_nick_NumeratorAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments" xlink:label="loc_2JF107H7I93I_us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PreferredStockDividendsAndOtherAdjustments" xml:lang="en-US">Preferred Stock Dividends and Other Adjustments</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PreferredStockDividendsAndOtherAdjustments" xml:lang="en-US">Less: Allocation of earnings to participating securities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PreferredStockDividendsAndOtherAdjustments" xml:lang="en-US">Less: Allocation of earnings to participating securities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PreferredStockDividendsAndOtherAdjustments" xlink:to="lab_4LH329J9K15K_us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US">Net income allocated to common stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US">Net income allocated to common stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US">Net income allocated to common stock</label>
<label xlink:type="resource" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US">Net income allocated to common stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_EarningsPerShareBasicAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasicAbstract" xml:lang="en-US">Earnings Per Share, Basic [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasicAbstract" xml:lang="en-US">Basic earnings per share computation:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EarningsPerShareBasicAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_EarningsPerShareBasicAbstract"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xlink:label="loc_31290F3J262G9III3F2F_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xml:lang="en-US">Weighted Average Common Shares Outstanding, Including Shares Considered Participating Securities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xml:lang="en-US">Weighted average common shares outstanding, including shares considered participating securities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xml:lang="en-US">Represents Weighted average common shares outstanding, including shares considered participating securities.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xlink:to="lab_53412H5L484I1KKK5H4H_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_WeightedAverageParticipatingSecuritiesOutstanding" xlink:label="loc_2JF107H7I93I_nick_WeightedAverageParticipatingSecuritiesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_WeightedAverageParticipatingSecuritiesOutstanding" xml:lang="en-US">Weighted Average Participating Securities Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_WeightedAverageParticipatingSecuritiesOutstanding" xml:lang="en-US">Less: Weighted average participating securities outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_WeightedAverageParticipatingSecuritiesOutstanding" xml:lang="en-US">Weighted Average Participating Securities Outstanding.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_WeightedAverageParticipatingSecuritiesOutstanding" xlink:to="lab_4LH329J9K15K_nick_WeightedAverageParticipatingSecuritiesOutstanding"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Weighted average common shares outstanding for basic earnings per share</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Denominator for basic earnings per share - weighted average shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Weighted average common shares outstanding for basic earnings per share</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_EarningsPerShareDilutedAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareDilutedAbstract" xml:lang="en-US">Earnings Per Share, Diluted [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EarningsPerShareDilutedAbstract" xml:lang="en-US">Diluted earnings per share computation:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EarningsPerShareDilutedAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_EarningsPerShareDilutedAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_UndistributedEarningsDiluted" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_UndistributedEarningsDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_UndistributedEarningsDiluted" xml:lang="en-US">Undistributed Earnings, Diluted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_UndistributedEarningsDiluted" xml:lang="en-US">Undistributed earnings re-allocated to participating securities</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_UndistributedEarningsDiluted" xml:lang="en-US">Undistributed earnings re-allocated to participating securities</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_UndistributedEarningsDiluted" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_UndistributedEarningsDiluted"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:label="loc_2JF107H7I93I_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xml:lang="en-US">Undistributed Earnings (Loss) Allocated to Participating Securities, Diluted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xml:lang="en-US">Net income allocated to common stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xml:lang="en-US">Net income allocated to common stock</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xml:lang="en-US">Net income allocated to common stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:to="lab_4LH329J9K15K_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xml:lang="en-US">Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xml:lang="en-US">Incremental shares from stock options</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xml:lang="en-US">Stock options and other share awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_2JF107H7I93I_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Weighted average shares and dilutive potential common shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Denominator for diluted earnings per share</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Weighted average shares and dilutive potential common shares</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_4LH329J9K15K_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DividendDistributionWithholdingTaxPercentage" xlink:label="loc_31290F3J262G9III3F2F_nick_DividendDistributionWithholdingTaxPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DividendDistributionWithholdingTaxPercentage" xml:lang="en-US">Dividend Distribution Withholding Tax Percentage</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DividendDistributionWithholdingTaxPercentage" xml:lang="en-US">Withholding tax payable percentage</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DividendDistributionWithholdingTaxPercentage" xml:lang="en-US">This element represents the percentage of withholding tax payable by the entity.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DividendDistributionWithholdingTaxPercentage" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DividendDistributionWithholdingTaxPercentage"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_SignificantAccountingPoliciesTable" xlink:label="loc_2JF107H7I93I_nick_SignificantAccountingPoliciesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesTable" xml:lang="en-US">Significant Accounting Policies [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesTable" xml:lang="en-US">Significant Accounting Policies [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesTable" xml:lang="en-US">Table of all significant accounting policies of the reporting entity.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_SignificantAccountingPoliciesTable" xlink:to="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesTable"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_OfferTypeAxis" xlink:label="loc_31290F3J262G9III3F2F_nick_OfferTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_OfferTypeAxis" xml:lang="en-US">Offer Type [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_OfferTypeAxis" xml:lang="en-US">Represents information about offers by entities.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_OfferTypeAxis" xlink:to="lab_53412H5L484I1KKK5H4H_nick_OfferTypeAxis"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_OfferTypeDomain" xlink:label="loc_2JF107H7I93I_nick_OfferTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_OfferTypeDomain" xml:lang="en-US">Offer Type [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_OfferTypeDomain" xml:lang="en-US">Represents different types of offers by entities.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_OfferTypeDomain" xlink:to="lab_4LH329J9K15K_nick_OfferTypeDomain"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_TenderOfferMember" xlink:label="loc_31290F3J262G9III3F2F_nick_TenderOfferMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_TenderOfferMember" xml:lang="en-US">Tender Offer [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_TenderOfferMember" xml:lang="en-US">Tender Offer</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_TenderOfferMember" xml:lang="en-US">Represents tender offer.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_TenderOfferMember" xlink:to="lab_53412H5L484I1KKK5H4H_nick_TenderOfferMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_SignificantAccountingPoliciesLineItems" xlink:label="loc_2JF107H7I93I_nick_SignificantAccountingPoliciesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesLineItems" xml:lang="en-US">Significant Accounting Policies [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesLineItems" xml:lang="en-US">Significant Accounting Policies [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesLineItems" xml:lang="en-US">Line item represents significant accounting policies.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_SignificantAccountingPoliciesLineItems" xlink:to="lab_4LH329J9K15K_nick_SignificantAccountingPoliciesLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xml:lang="en-US">Purchase of common stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xlink:label="loc_2JF107H7I93I_nick_PercentageOfAggregateNumberOfCommonSharesPurchased"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xml:lang="en-US">Percentage Of Aggregate Number Of Common Shares Purchased</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xml:lang="en-US">Percentage of aggregate number of common shares purchased</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xml:lang="en-US">This element represents percentage of aggregate number of common shares purchased.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xlink:to="lab_4LH329J9K15K_nick_PercentageOfAggregateNumberOfCommonSharesPurchased"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xlink:label="loc_31290F3J262G9III3F2F_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xml:lang="en-US">Deferred Discounts Interest and Allowance For Credit Losses Included In Financial Receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xml:lang="en-US">Unearned interest, dealer discounts and allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xml:lang="en-US">Represents unearned interest, discounts and allowance of credit losses included in the face amount of finance receivables, that are shown as a deduction from the related receivables.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfReceivableInterestDiscount" xlink:label="loc_2JF107H7I93I_nick_PercentageOfReceivableInterestDiscount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PercentageOfReceivableInterestDiscount" xml:lang="en-US">Percentage Of Receivable Interest Discount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PercentageOfReceivableInterestDiscount" xml:lang="en-US">Average dealer discount associated with new volume</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PercentageOfReceivableInterestDiscount" xml:lang="en-US">This element represents the percentage of finance receivable interest discount.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_PercentageOfReceivableInterestDiscount" xlink:to="lab_4LH329J9K15K_nick_PercentageOfReceivableInterestDiscount"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncomeTaxesPaid"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxesPaid" xml:lang="en-US">Income Taxes Paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxesPaid" xml:lang="en-US">Cash paid for income taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_IncomeTaxesPaid" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxesPaid"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="loc_2JF107H7I93I_us-gaap_InterestPaidNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_InterestPaidNet" xml:lang="en-US">Interest Paid, Net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_InterestPaidNet" xml:lang="en-US">Cash paid for interest, including debt origination costs</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_InterestPaidNet" xlink:to="lab_4LH329J9K15K_us-gaap_InterestPaidNet"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xml:lang="en-US">Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xml:lang="en-US">Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="loc_2JF107H7I93I_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xml:lang="en-US">Antidilutive Securities [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xml:lang="en-US">Antidilutive Securities [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:to="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AntidilutiveSecuritiesNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesNameDomain" xml:lang="en-US">Antidilutive Securities, Name [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesNameDomain" xml:lang="en-US">Antidilutive Securities, Name [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesNameDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EmployeeStockOptionMember" xlink:label="loc_2JF107H7I93I_us-gaap_EmployeeStockOptionMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EmployeeStockOptionMember" xml:lang="en-US">Employee Stock Option [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EmployeeStockOptionMember" xml:lang="en-US">Stock options</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EmployeeStockOptionMember" xlink:to="lab_4LH329J9K15K_us-gaap_EmployeeStockOptionMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xml:lang="en-US">Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xml:lang="en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="loc_2JF107H7I93I_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xml:lang="en-US">Antidilutive Securities Excluded From Computation Of Earnings Per Share, Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xml:lang="en-US">Number of stock options not included in the computation of diluted earnings per share</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_4LH329J9K15K_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ConcentrationRiskByBenchmarkAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskByBenchmarkAxis" xml:lang="en-US">Concentration Risk Benchmark [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskByBenchmarkAxis" xml:lang="en-US">Concentration Risk Benchmark [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskByBenchmarkAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain" xlink:label="loc_2JF107H7I93I_us-gaap_ConcentrationRiskBenchmarkDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ConcentrationRiskBenchmarkDomain" xml:lang="en-US">Concentration Risk Benchmark [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ConcentrationRiskBenchmarkDomain" xml:lang="en-US">Concentration Risk Benchmark [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="lab_4LH329J9K15K_us-gaap_ConcentrationRiskBenchmarkDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinanceReceivablesMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinanceReceivablesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinanceReceivablesMember" xml:lang="en-US">Financing Receivable [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinanceReceivablesMember" xml:lang="en-US">Finance receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FinanceReceivablesMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FinanceReceivablesMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_2JF107H7I93I_us-gaap_StatementGeographicalAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_StatementGeographicalAxis" xml:lang="en-US">Geographical [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_StatementGeographicalAxis" xml:lang="en-US">Geographical [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_StatementGeographicalAxis" xlink:to="lab_4LH329J9K15K_us-gaap_StatementGeographicalAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_SegmentGeographicalDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_SegmentGeographicalDomain" xml:lang="en-US">Segment, Geographical [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_SegmentGeographicalDomain" xml:lang="en-US">Segment, Geographical [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_SegmentGeographicalDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_SegmentGeographicalDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_FL" xlink:label="loc_2JF107H7I93I_stpr_FL"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_stpr_FL" xml:lang="en-US">Florida</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_stpr_FL" xml:lang="en-US">Florida</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_stpr_FL" xlink:to="lab_4LH329J9K15K_stpr_FL"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_OH" xlink:label="loc_31290F3J262G9III3F2F_stpr_OH"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_stpr_OH" xml:lang="en-US">Ohio</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_stpr_OH" xml:lang="en-US">Ohio</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_stpr_OH" xlink:to="lab_53412H5L484I1KKK5H4H_stpr_OH"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_GA" xlink:label="loc_2JF107H7I93I_stpr_GA"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_stpr_GA" xml:lang="en-US">Georgia</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_stpr_GA" xml:lang="en-US">Georgia</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_stpr_GA" xlink:to="lab_4LH329J9K15K_stpr_GA"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_NC" xlink:label="loc_31290F3J262G9III3F2F_stpr_NC"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_stpr_NC" xml:lang="en-US">North Carolina</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_stpr_NC" xml:lang="en-US">North Carolina</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_stpr_NC" xlink:to="lab_53412H5L484I1KKK5H4H_stpr_NC"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConcentrationRiskPercentage1" xlink:label="loc_2JF107H7I93I_us-gaap_ConcentrationRiskPercentage1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ConcentrationRiskPercentage1" xml:lang="en-US">Concentration Risk, Percentage</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ConcentrationRiskPercentage1" xml:lang="en-US">Concentration risk percentage</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ConcentrationRiskPercentage1" xlink:to="lab_4LH329J9K15K_us-gaap_ConcentrationRiskPercentage1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDescription" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ConcentrationRiskBenchmarkDescription"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskBenchmarkDescription" xml:lang="en-US">Concentration Risk, Benchmark Description</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskBenchmarkDescription" xml:lang="en-US">Concentration benchmark</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ConcentrationRiskBenchmarkDescription" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ConcentrationRiskBenchmarkDescription"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NumberOfStatesInWhichEntityOperates" xlink:label="loc_2JF107H7I93I_us-gaap_NumberOfStatesInWhichEntityOperates"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NumberOfStatesInWhichEntityOperates" xml:lang="en-US">Number of States in which Entity Operates</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NumberOfStatesInWhichEntityOperates" xml:lang="en-US">Number of states in which entity operates</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:to="lab_4LH329J9K15K_us-gaap_NumberOfStatesInWhichEntityOperates"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NumberOfBranches" xlink:label="loc_31290F3J262G9III3F2F_nick_NumberOfBranches"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NumberOfBranches" xml:lang="en-US">Number Of Branches</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NumberOfBranches" xml:lang="en-US">Number of branches</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NumberOfBranches" xml:lang="en-US">Represents number of branches.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_NumberOfBranches" xlink:to="lab_53412H5L484I1KKK5H4H_nick_NumberOfBranches"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="loc_2JF107H7I93I_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xml:lang="en-US">Receivable Type [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xml:lang="en-US">Receivable Type [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:to="lab_4LH329J9K15K_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ReceivableTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivableTypeDomain" xml:lang="en-US">Receivable Type [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivableTypeDomain" xml:lang="en-US">Receivable Type [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ReceivableTypeDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ReceivableTypeDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="loc_2JF107H7I93I_us-gaap_NotesReceivableGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Total gross finance receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Direct finance receivables, gross contract</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Gross Balance Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveVerboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Indirect finance receivables, gross contract</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/zeroLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Amount of gross finance receivables not accruing interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Gross Balance Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableGross" xml:lang="en-US">Gross Balance Outstanding</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NotesReceivableGross" xlink:to="lab_4LH329J9K15K_us-gaap_NotesReceivableGross"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xml:lang="en-US">Unearned interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xml:lang="en-US">Unearned interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xml:lang="en-US">Unearned interest</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NotesReceivableNetUnearnedInterest" xlink:label="loc_2JF107H7I93I_nick_NotesReceivableNetUnearnedInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableNetUnearnedInterest" xml:lang="en-US">Notes Receivable Net Unearned Interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableNetUnearnedInterest" xml:lang="en-US">Finance receivables, net of unearned interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableNetUnearnedInterest" xml:lang="en-US">Indirect finance receivables, net of unearned interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableNetUnearnedInterest" xml:lang="en-US">Net amount of the investment after deducting the amount of unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_NotesReceivableNetUnearnedInterest" xlink:to="lab_4LH329J9K15K_nick_NotesReceivableNetUnearnedInterest"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_UnearnedDiscountIncludedInFinancingReceivables" xlink:label="loc_31290F3J262G9III3F2F_nick_UnearnedDiscountIncludedInFinancingReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_UnearnedDiscountIncludedInFinancingReceivables" xml:lang="en-US">Unearned Discount Included In Financing Receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_UnearnedDiscountIncludedInFinancingReceivables" xml:lang="en-US">Unearned dealer discounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_UnearnedDiscountIncludedInFinancingReceivables" xml:lang="en-US">Represents unearned discounts (other than cash or quantity discounts and the like) included in the net amount of finance receivables, that are shown as a deduction from the related receivables.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_UnearnedDiscountIncludedInFinancingReceivables" xml:lang="en-US">Unearned dealer discounts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_UnearnedDiscountIncludedInFinancingReceivables" xlink:to="lab_53412H5L484I1KKK5H4H_nick_UnearnedDiscountIncludedInFinancingReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xlink:label="loc_2JF107H7I93I_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xml:lang="en-US">Finance Receivables Net Of Unearned Interest And Unearned Dealer Discounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xml:lang="en-US">Finance receivables, net of unearned interest and unearned dealer discounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xml:lang="en-US">Indirect finance receivables, net of unearned interest and unearned dealer discounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xml:lang="en-US">Represents amount of indirect finance receivables, net of unearned interest and unearned dealer discounts.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xlink:to="lab_4LH329J9K15K_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US">Allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US">Balance at beginning of year</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US">Balance at end of year</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US">Allowance for credit losses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Roll Forward]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Roll Forward]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xlink:label="loc_31290F3J262G9III3F2F_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xml:lang="en-US">Financing Receivable Allowance For Credit Losses Absorbed</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xml:lang="en-US">Losses absorbed</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xml:lang="en-US">This element represents the amount of allowance for credit losses absorbed.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xml:lang="en-US">Losses absorbed</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xlink:to="lab_53412H5L484I1KKK5H4H_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Recovery</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xml:lang="en-US">Recoveries</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_InternalCreditAssessmentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InternalCreditAssessmentAxis" xml:lang="en-US">Internal Credit Assessment [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InternalCreditAssessmentAxis" xml:lang="en-US">Credit Quality Indicator [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_InternalCreditAssessmentAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_InternalCreditAssessmentAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:label="loc_2JF107H7I93I_us-gaap_InternalCreditAssessmentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_InternalCreditAssessmentDomain" xml:lang="en-US">Internal Credit Assessment [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_InternalCreditAssessmentDomain" xml:lang="en-US">Financing Receivable, by Credit Quality Indicator [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_InternalCreditAssessmentDomain" xlink:to="lab_4LH329J9K15K_us-gaap_InternalCreditAssessmentDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PerformingFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PerformingFinancingReceivableMember" xml:lang="en-US">Performing Financing Receivable [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PerformingFinancingReceivableMember" xml:lang="en-US">Performing accounts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PerformingFinancingReceivableMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PerformingFinancingReceivableMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:label="loc_2JF107H7I93I_us-gaap_NonperformingFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NonperformingFinancingReceivableMember" xml:lang="en-US">Nonperforming Financing Receivable [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NonperformingFinancingReceivableMember" xml:lang="en-US">Non-performing accounts</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NonperformingFinancingReceivableMember" xlink:to="lab_4LH329J9K15K_us-gaap_NonperformingFinancingReceivableMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_BankruptAccountsFinancingReceivableMember" xlink:label="loc_31290F3J262G9III3F2F_nick_BankruptAccountsFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_BankruptAccountsFinancingReceivableMember" xml:lang="en-US">Bankrupt Accounts Financing Receivable [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_BankruptAccountsFinancingReceivableMember" xml:lang="en-US">Chapter 13 bankrupt accounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_BankruptAccountsFinancingReceivableMember" xml:lang="en-US">This elements represents the value of bankruptcy.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_BankruptAccountsFinancingReceivableMember" xlink:to="lab_53412H5L484I1KKK5H4H_nick_BankruptAccountsFinancingReceivableMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xlink:label="loc_2JF107H7I93I_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xml:lang="en-US">Notes Receivable Gross Amount Excluding Chapter13 Bankrupt Accounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xml:lang="en-US">Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xml:lang="en-US">Gross Balance Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xml:lang="en-US">Represents gross amount of notes receivable excluding chapter 13 bankrupt accounts.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xlink:to="lab_4LH329J9K15K_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xlink:label="loc_31290F3J262G9III3F2F_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xml:lang="en-US">Notes Receivable Gross Amount Including Chapter 13 Bankrupt Accounts</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xml:lang="en-US">Finance receivables, gross contract</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xml:lang="en-US">Represents gross amount of notes receivable including chapter 13 bankrupt account</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xlink:to="lab_53412H5L484I1KKK5H4H_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivablesPeriodPastDueAxis" xml:lang="en-US">Financing Receivables, Period Past Due [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivablesPeriodPastDueDomain" xml:lang="en-US">Financing Receivables, Period Past Due [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivables30To59DaysPastDueMember" xml:lang="en-US">Financing Receivables, 30 to 59 Days Past Due [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivables30To59DaysPastDueMember" xml:lang="en-US">31 - 60 days</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivables60To89DaysPastDueMember" xml:lang="en-US">Financing Receivables, 60 to 89 Days Past Due [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivables60To89DaysPastDueMember" xml:lang="en-US">61 - 90 days</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xml:lang="en-US">Financing Receivables, Equal to Greater than 90 Days Past Due [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xml:lang="en-US">Over 90 days</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" xml:lang="en-US">Percentage Of Financing Receivable Recorded Investment 30 To 59 Days Past Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" xml:lang="en-US">31 - 60 days (in percentage)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" xml:lang="en-US">Represents percentage of financing receivables that are less than 60 days past due but more than 29 days past due.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:to="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="loc_2JF107H7I93I_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" xml:lang="en-US">Percentage Of Financing Receivable Recorded Investment 60 To 89 Days Past Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" xml:lang="en-US">61 - 90 days (in percentage)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" xml:lang="en-US">Represents percentage of financing receivables that are less than 90 days past due but more than 59 days past due.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:to="lab_4LH329J9K15K_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xml:lang="en-US">Percentage Of Financing Receivable Recorded Investment Equal To Greater Than 90 Days Past Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xml:lang="en-US">Over 90 days (in percentage)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xml:lang="en-US">Represents percentage of financing receivables that are equal to or greater than 90 days past due.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:to="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="loc_2JF107H7I93I_us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentPastDue" xml:lang="en-US">Financing Receivable, Recorded Investment, Past Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentPastDue" xml:lang="en-US">Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="lab_4LH329J9K15K_us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" xlink:label="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" xml:lang="en-US">Percentage Of Financing Receivable Recorded Investment Past Due Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" xml:lang="en-US">Total (in percentage)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" xml:lang="en-US">Represents percentage of recorded Investment in financing receivables that are past due at the balance sheet date.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal" xlink:to="lab_53412H5L484I1KKK5H4H_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_2JF107H7I93I_us-gaap_RangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_RangeAxis" xml:lang="en-US">Range [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RangeAxis" xml:lang="en-US">Range [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_RangeAxis" xlink:to="lab_4LH329J9K15K_us-gaap_RangeAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_RangeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_RangeMember" xml:lang="en-US">Range [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_RangeMember" xml:lang="en-US">Range [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_RangeMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_RangeMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_2JF107H7I93I_us-gaap_MinimumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_MinimumMember" xml:lang="en-US">Minimum [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_MinimumMember" xml:lang="en-US">Minimum</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_MinimumMember" xlink:to="lab_4LH329J9K15K_us-gaap_MinimumMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_MaximumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_MaximumMember" xml:lang="en-US">Maximum [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_MaximumMember" xml:lang="en-US">Maximum</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_MaximumMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_MaximumMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_InitialTermsOfIndirectFinanceReceivables" xlink:label="loc_2JF107H7I93I_nick_InitialTermsOfIndirectFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfIndirectFinanceReceivables" xml:lang="en-US">Initial Terms Of Indirect Finance Receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfIndirectFinanceReceivables" xml:lang="en-US">Initial term of the indirect finance receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfIndirectFinanceReceivables" xml:lang="en-US">This item represents initial term of indirect finance receivables.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_InitialTermsOfIndirectFinanceReceivables" xlink:to="lab_4LH329J9K15K_nick_InitialTermsOfIndirectFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_InitialTermsOfDirectFinanceReceivables" xlink:label="loc_31290F3J262G9III3F2F_nick_InitialTermsOfDirectFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_InitialTermsOfDirectFinanceReceivables" xml:lang="en-US">Initial Terms Of Direct Finance Receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_InitialTermsOfDirectFinanceReceivables" xml:lang="en-US">Initial term of the direct finance receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_InitialTermsOfDirectFinanceReceivables" xml:lang="en-US">This item represents initial term of direct finance receivables.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_InitialTermsOfDirectFinanceReceivables" xlink:to="lab_53412H5L484I1KKK5H4H_nick_InitialTermsOfDirectFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinanceReceivablesWeightedAverageInterestRate" xlink:label="loc_2JF107H7I93I_nick_FinanceReceivablesWeightedAverageInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesWeightedAverageInterestRate" xml:lang="en-US">Finance Receivables Weighted Average Interest Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesWeightedAverageInterestRate" xml:lang="en-US">Weighted average contractual interest rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_FinanceReceivablesWeightedAverageInterestRate" xml:lang="en-US">Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of finance receivables by type or by instrument at that time.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_FinanceReceivablesWeightedAverageInterestRate" xlink:to="lab_4LH329J9K15K_nick_FinanceReceivablesWeightedAverageInterestRate"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinanceReceivablesPercentage" xlink:label="loc_31290F3J262G9III3F2F_nick_FinanceReceivablesPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinanceReceivablesPercentage" xml:lang="en-US">Finance Receivables, Percentage</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinanceReceivablesPercentage" xml:lang="en-US">Percentage of direct loan to total loan portfolio</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinanceReceivablesPercentage" xml:lang="en-US">This item represents the percentage of the direct loan in the total loan portfolio.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_FinanceReceivablesPercentage" xlink:to="lab_53412H5L484I1KKK5H4H_nick_FinanceReceivablesPercentage"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PerformingAccountCriteriaMaximumPeriod" xlink:label="loc_2JF107H7I93I_nick_PerformingAccountCriteriaMaximumPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PerformingAccountCriteriaMaximumPeriod" xml:lang="en-US">Performing Account Criteria Maximum Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PerformingAccountCriteriaMaximumPeriod" xml:lang="en-US">Maximum criteria for receivable to be a performing account</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PerformingAccountCriteriaMaximumPeriod" xml:lang="en-US">This element represents the number of days before which the receivable account is considered as performing account.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_PerformingAccountCriteriaMaximumPeriod" xlink:to="lab_4LH329J9K15K_nick_PerformingAccountCriteriaMaximumPeriod"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NonPerformingAccountCriteriaMinimumPeriod" xlink:label="loc_31290F3J262G9III3F2F_nick_NonPerformingAccountCriteriaMinimumPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NonPerformingAccountCriteriaMinimumPeriod" xml:lang="en-US">Non Performing Account Criteria Minimum Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NonPerformingAccountCriteriaMinimumPeriod" xml:lang="en-US">Minimum criteria for receivable to be a non-performing account</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_NonPerformingAccountCriteriaMinimumPeriod" xml:lang="en-US">This element represents the number of days after which the receivable account is considered as non- performing account.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_NonPerformingAccountCriteriaMinimumPeriod" xlink:to="lab_53412H5L484I1KKK5H4H_nick_NonPerformingAccountCriteriaMinimumPeriod"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DelinquentAccountCriteriaPeriod" xlink:label="loc_2JF107H7I93I_nick_DelinquentAccountCriteriaPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_DelinquentAccountCriteriaPeriod" xml:lang="en-US">Delinquent Account Criteria Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_DelinquentAccountCriteriaPeriod" xml:lang="en-US">Criteria for receivable to be delinquent account</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_DelinquentAccountCriteriaPeriod" xml:lang="en-US">This element represents the number of days after which the receivable account is considered as delinquent account which will be written off.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_DelinquentAccountCriteriaPeriod" xlink:to="lab_4LH329J9K15K_nick_DelinquentAccountCriteriaPeriod"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US">Property, Plant and Equipment, Gross</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US">Cost</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PropertyPlantAndEquipmentGross"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="loc_2JF107H7I93I_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US">Accumulated Depreciation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="lab_4LH329J9K15K_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityTable" xml:lang="en-US">Line Of Credit Facility [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityTable" xml:lang="en-US">Line of Credit Facility [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityTable" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_2JF107H7I93I_us-gaap_CreditFacilityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CreditFacilityAxis" xml:lang="en-US">Credit Facility [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CreditFacilityAxis" xml:lang="en-US">Credit Facility [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CreditFacilityAxis" xlink:to="lab_4LH329J9K15K_us-gaap_CreditFacilityAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CreditFacilityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CreditFacilityDomain" xml:lang="en-US">Credit Facility [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CreditFacilityDomain" xml:lang="en-US">Credit Facility [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CreditFacilityDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CreditFacilityDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditMember" xlink:label="loc_2JF107H7I93I_us-gaap_LineOfCreditMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditMember" xml:lang="en-US">Line Of Credit [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditMember" xml:lang="en-US">Line of credit facility</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LineOfCreditMember" xlink:to="lab_4LH329J9K15K_us-gaap_LineOfCreditMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityLineItems" xml:lang="en-US">Line Of Credit Facility [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityLineItems" xml:lang="en-US">Line of Credit Facility [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xml:lang="en-US">Line Of Credit Facility, Maximum Borrowing Capacity</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xml:lang="en-US">Line of credit facility amount</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xml:lang="en-US">Debt instrument basis spread on variable rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtInstrumentDescriptionOfVariableRateBasis" xlink:label="loc_2JF107H7I93I_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis" xml:lang="en-US">Debt Instrument, Description of Variable Rate Basis</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis" xml:lang="en-US">Debt instrument description of variable rate basis</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis" xlink:to="lab_4LH329J9K15K_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" xlink:label="loc_31290F3J262G9III3F2F_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" xml:lang="en-US">Line Of Credit Facility, Interest Rate Plus Applicable Margin</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" xml:lang="en-US">Floor on LIBOR rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" xml:lang="en-US">The effective interest rate (Libor) plus the applicable margins the at the end of the reporting period.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin" xlink:to="lab_53412H5L484I1KKK5H4H_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:label="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xml:lang="en-US">Line Of Credit Facility, Interest Rate At Period End</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xml:lang="en-US">Interest rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:to="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xml:lang="en-US">Line of Credit Facility, Remaining Borrowing Capacity</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xml:lang="en-US">Amount available under the line of credit</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:label="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xml:lang="en-US">Line of Credit Facility, Unused Capacity, Commitment Fee Percentage</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xml:lang="en-US">Unused line fee</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:to="lab_4LH329J9K15K_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>





<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PeriodicSettlementsIncludedInInterestExpense" xlink:label="loc_2JF107H7I93I_nick_PeriodicSettlementsIncludedInInterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_PeriodicSettlementsIncludedInInterestExpense" xml:lang="en-US">Periodic Settlements Included In Interest Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_PeriodicSettlementsIncludedInInterestExpense" xml:lang="en-US">Periodic settlement differentials included in interest expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_PeriodicSettlementsIncludedInInterestExpense" xml:lang="en-US">Amount of periodic settlement differentials included in interest expense.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_nick_PeriodicSettlementsIncludedInInterestExpense" xml:lang="en-US">Periodic settlement differentials included in interest expense</label>
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<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_PreTaxIncomeLossGainRecognizedInIncome" xlink:label="loc_31290F3J262G9III3F2F_nick_PreTaxIncomeLossGainRecognizedInIncome"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Pre Tax Income Loss Gain Recognized In Income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Pre-tax loss recognized in income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Loss recognized in income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Represents pre tax income (loss) gain recognized in income.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">(Loss) gain recognized in income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Loss recognized in income</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeTable" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativeTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeTable" xml:lang="en-US">Derivative [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeTable" xml:lang="en-US">Derivative [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativeTable" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativeTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DerivativeInstrumentRiskAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DerivativeInstrumentRiskAxis" xml:lang="en-US">Derivative Instrument [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DerivativeInstrumentRiskAxis" xml:lang="en-US">Derivative, by Nature [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DerivativeInstrumentRiskAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativeContractTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeContractTypeDomain" xml:lang="en-US">Derivative Contract [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeContractTypeDomain" xml:lang="en-US">Derivative, Name [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativeContractTypeDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_InterestRateSwapMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestRateSwapMember" xml:lang="en-US">Interest Rate Swap [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_InterestRateSwapMember" xml:lang="en-US">Interest Rate Swap</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_InterestRateSwapMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_InterestRateSwapMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativeLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeLineItems" xml:lang="en-US">Derivative [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeLineItems" xml:lang="en-US">Derivative [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativeLineItems" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativeLineItems"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DerivativeAverageVariableInterestRateReceived" xlink:label="loc_31290F3J262G9III3F2F_nick_DerivativeAverageVariableInterestRateReceived"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeAverageVariableInterestRateReceived" xml:lang="en-US">Derivative Average Variable Interest Rate Received</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeAverageVariableInterestRateReceived" xml:lang="en-US">Average variable rate received</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeAverageVariableInterestRateReceived" xml:lang="en-US">Average variable interest rate related to the group of interest rate derivatives.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DerivativeAverageVariableInterestRateReceived" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DerivativeAverageVariableInterestRateReceived"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DerivativeAverageFixedInterestRatePaid" xlink:label="loc_2JF107H7I93I_nick_DerivativeAverageFixedInterestRatePaid"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_DerivativeAverageFixedInterestRatePaid" xml:lang="en-US">Derivative Average Fixed Interest Rate Paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_nick_DerivativeAverageFixedInterestRatePaid" xml:lang="en-US">Fixed rate paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_DerivativeAverageFixedInterestRatePaid" xml:lang="en-US">Average fixed rate paid</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_DerivativeAverageFixedInterestRatePaid" xml:lang="en-US">Average fixed interest rate related to the group of interest rate derivatives.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_DerivativeAverageFixedInterestRatePaid" xlink:to="lab_4LH329J9K15K_nick_DerivativeAverageFixedInterestRatePaid"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativesFairValueLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativesFairValueLineItems" xml:lang="en-US">Derivatives, Fair Value [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativesFairValueLineItems" xml:lang="en-US">Derivatives, Fair Value [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativesFairValueLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NumberOfInterestRateDerivativesHeld" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NumberOfInterestRateDerivativesHeld"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NumberOfInterestRateDerivativesHeld" xml:lang="en-US">Number of Interest Rate Derivatives Held</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NumberOfInterestRateDerivativesHeld" xml:lang="en-US">Number of interest rate swap agreements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NumberOfInterestRateDerivativesHeld" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NumberOfInterestRateDerivativesHeld"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeTermOfContract" xlink:label="loc_2JF107H7I93I_us-gaap_DerivativeTermOfContract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeTermOfContract" xml:lang="en-US">Derivative, Term of Contract</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DerivativeTermOfContract" xml:lang="en-US">Interest rate swap period</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DerivativeTermOfContract" xlink:to="lab_4LH329J9K15K_us-gaap_DerivativeTermOfContract"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_DerivativeDescriptionOfVariableRateBasisTwo" xlink:label="loc_31290F3J262G9III3F2F_nick_DerivativeDescriptionOfVariableRateBasisTwo_1_1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeDescriptionOfVariableRateBasisTwo" xml:lang="en-US">Derivative Description Of Variable Rate Basis Two</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeDescriptionOfVariableRateBasisTwo" xml:lang="en-US">Description of variable rate of the interest rate</label>

<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_DerivativeDescriptionOfVariableRateBasisTwo_1_1" xlink:to="lab_53412H5L484I1KKK5H4H_nick_DerivativeDescriptionOfVariableRateBasisTwo"/><label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_DerivativeDescriptionOfVariableRateBasisTwo" xml:lang="en-US">The reference rate for the variable rate of the interest rate derivative, such as LIBOR or the US Treasury rate and the maturity of the reference rate used, such as three months or six months LIBOR.</label>



<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="loc_2JF107H7I93I_invest_DerivativeNotionalAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_invest_DerivativeNotionalAmount" xml:lang="en-US">Derivative, Notional Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_invest_DerivativeNotionalAmount" xml:lang="en-US">Derivative notional amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_invest_DerivativeNotionalAmount" xml:lang="en-US">Notional amounts at April 1</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_invest_DerivativeNotionalAmount" xml:lang="en-US">Notional amounts at beginning of year</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_invest_DerivativeNotionalAmount" xml:lang="en-US">Notional amounts at end of year</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_invest_DerivativeNotionalAmount" xlink:to="lab_4LH329J9K15K_invest_DerivativeNotionalAmount"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xml:lang="en-US">Fair Value Measurements, Recurring and Nonrecurring [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xml:lang="en-US">Fair Value Measurements, Recurring and Nonrecurring [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueByMeasurementFrequencyAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByMeasurementFrequencyAxis" xml:lang="en-US">Measurement Frequency [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByMeasurementFrequencyAxis" xml:lang="en-US">Measurement Frequency [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueByMeasurementFrequencyAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueMeasurementFrequencyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueMeasurementFrequencyDomain" xml:lang="en-US">Fair Value, Measurement Frequency [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueMeasurementFrequencyDomain" xml:lang="en-US">Fair Value, Measurement Frequency [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueMeasurementFrequencyDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueMeasurementsRecurringMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsRecurringMember" xml:lang="en-US">Fair Value, Measurements, Recurring [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsRecurringMember" xml:lang="en-US">Recurring Basis</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsRecurringMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US">Fair Value, Hierarchy [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US">Fair Value, Hierarchy [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US">Fair Value, Measurements, Fair Value Hierarchy [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US">Fair Value, Measurements, Fair Value Hierarchy [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueInputsLevel1Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel1Member" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel1Member" xml:lang="en-US">Level 1</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel1Member"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueInputsLevel2Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueInputsLevel2Member" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueInputsLevel2Member" xml:lang="en-US">Level 2</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueInputsLevel2Member"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueInputsLevel3Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US">Level 3</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueInputsLevel3Member"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="loc_2JF107H7I93I_us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xml:lang="en-US">Estimate Of Fair Value, Fair Value Disclosure [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xml:lang="en-US">Fair Value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_4LH329J9K15K_us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US">Fair Value, Assets and Liabilities Measured On Recurring and Nonrecurring Basis [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xlink:label="loc_2JF107H7I93I_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xml:lang="en-US">Interest Rate Derivative Liabilities, At Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xml:lang="en-US">Interest rate swap agreements - liability</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US">Interest rate swap agreements - liability</label>
<label xlink:type="resource" xlink:label="lab_4LH329J9K15K_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Interest rate swap agreements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xlink:to="lab_4LH329J9K15K_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue"/>




<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueByBalanceSheetGroupingTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTable" xml:lang="en-US">Fair Value, By Balance Sheet Grouping [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTable" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueByBalanceSheetGroupingTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xml:lang="en-US">Reported Value Measurement [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xml:lang="en-US">Carrying Value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="loc_2JF107H7I93I_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="lab_4LH329J9K15K_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xml:lang="en-US">Cash</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NotesReceivableFairValueDisclosure" xlink:label="loc_2JF107H7I93I_us-gaap_NotesReceivableFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableFairValueDisclosure" xml:lang="en-US">Notes Receivable, Fair Value Disclosure</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_NotesReceivableFairValueDisclosure" xml:lang="en-US">Finance receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_NotesReceivableFairValueDisclosure" xlink:to="lab_4LH329J9K15K_us-gaap_NotesReceivableFairValueDisclosure"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LinesOfCreditFairValueDisclosure" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LinesOfCreditFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LinesOfCreditFairValueDisclosure" xml:lang="en-US">Lines Of Credit, Fair Value Disclosure</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LinesOfCreditFairValueDisclosure" xml:lang="en-US">Line of credit</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LinesOfCreditFairValueDisclosure" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LinesOfCreditFairValueDisclosure"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xlink:label="loc_2JF107H7I93I_nick_FinancialInstrumentsNotMeasuredAtFairValueTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xml:lang="en-US">Financial Instruments Not Measured At Fair Value [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xml:lang="en-US">Financial Instruments Not Measured At Fair Value [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xlink:to="lab_4LH329J9K15K_nick_FinancialInstrumentsNotMeasuredAtFairValueTable"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" xlink:label="loc_31290F3J262G9III3F2F_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" xml:lang="en-US">Financial Instruments Not Measured At Fair Value [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" xml:lang="en-US">Financial Instruments Not Measured At Fair Value [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" xml:lang="en-US">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems" xlink:to="lab_53412H5L484I1KKK5H4H_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_InitialTermsOfFinanceReceivables" xlink:label="loc_2JF107H7I93I_nick_InitialTermsOfFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfFinanceReceivables" xml:lang="en-US">Initial Terms Of Finance Receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfFinanceReceivables" xml:lang="en-US">Initial term of finance receivables</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_InitialTermsOfFinanceReceivables" xml:lang="en-US">This item represents initial term of finance receivables.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_InitialTermsOfFinanceReceivables" xlink:to="lab_4LH329J9K15K_nick_InitialTermsOfFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US">Current Income Tax Expense (Benefit), Continuing Operations [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US">Current:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit" xlink:label="loc_2JF107H7I93I_us-gaap_CurrentFederalTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_CurrentFederalTaxExpenseBenefit" xml:lang="en-US">Current Federal Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_CurrentFederalTaxExpenseBenefit" xml:lang="en-US">Federal</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:to="lab_4LH329J9K15K_us-gaap_CurrentFederalTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xml:lang="en-US">Current State and Local Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xml:lang="en-US">State</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="loc_2JF107H7I93I_us-gaap_CurrentIncomeTaxExpenseBenefit"/>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:label="loc_2JF107H7I93I_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xml:lang="en-US">Allowance for credit losses not currently deductible for tax purposes</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:label="loc_2JF107H7I93I_us-gaap_DeferredTaxAssetsDerivativeInstruments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsDerivativeInstruments" xml:lang="en-US">Deferred Tax Assets, Derivative Instruments</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DeferredTaxAssetsDerivativeInstruments" xml:lang="en-US">Interest rate swap agreements</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DeferredTaxAssetsOther"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Provision for income taxes at Federal statutory rate</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xml:lang="en-US">Income Tax Expense (Benefit), Continuing Operations, Income Tax Reconciliation [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xml:lang="en-US">Increase (decrease) resulting from:</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xml:lang="en-US">Income Tax Reconciliation, State and Local Income Taxes</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xml:lang="en-US">State income taxes, net of Federal benefit</label>
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<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xlink:label="loc_31290F3J262G9III3F2F_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xml:lang="en-US">Transaction costs</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationOtherAdjustments" xml:lang="en-US">Other</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Income tax rate</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpense" xlink:label="loc_2JF107H7I93I_us-gaap_IncomeTaxReconciliationNondeductibleExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationNondeductibleExpense" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Expense, Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_IncomeTaxReconciliationNondeductibleExpense" xml:lang="en-US">Non-deductible expenses</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US">Schedule Of Share-Based Compensation Arrangements By Share-Based Payment Award [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xml:lang="en-US">Risk-free interest rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Fair Value Assumptions, Expected Term</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xml:lang="en-US">Weighted average expected original term</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xml:lang="en-US">Expected volatility</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xml:lang="en-US">Expected dividend yield</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_PlanNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PlanNameAxis" xml:lang="en-US">Plan Name [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_PlanNameAxis" xml:lang="en-US">Plan Name [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_PlanNameAxis" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_PlanNameAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PlanNameDomain" xlink:label="loc_2JF107H7I93I_us-gaap_PlanNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_PlanNameDomain" xml:lang="en-US">Plan Name [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_PlanNameDomain" xml:lang="en-US">Plan Name [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_PlanNameDomain" xlink:to="lab_4LH329J9K15K_us-gaap_PlanNameDomain"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_EquityPlansMember" xlink:label="loc_31290F3J262G9III3F2F_nick_EquityPlansMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityPlansMember" xml:lang="en-US">Equity Plans [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityPlansMember" xml:lang="en-US">Equity plans</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityPlansMember" xml:lang="en-US">This element represents the information regarding the share awards outstanding under three share-based compensation plans.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_EquityPlansMember" xlink:to="lab_53412H5L484I1KKK5H4H_nick_EquityPlansMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US">Shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US">Shares</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Outstanding, Number</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Outstanding at March 31, 2015</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Outstanding at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Grants In Period, Gross</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US">Number of stock options granted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US">Granted</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Forfeitures In Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US">Number of stock options forfeited</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US">Forfeited, shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US">Forfeited</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercisable, Number</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xml:lang="en-US">Exercisable at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xml:lang="en-US">Weighted Average Exercise Price</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Outstanding at March 31, 2015</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Outstanding at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Share-Based Compensation Arrangements By Share-Based Payment Award, Options, Grants In Period, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Weighted average fair value of stock options granted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Granted</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Share-Based Compensation Arrangements By Share-Based Payment Award, Options, Exercises In Period, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Exercise price of stock option</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Exercised</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Share-Based Compensation Arrangements By Share-Based Payment Award, Options, Forfeitures In Period, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Exercise price of stock option</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xml:lang="en-US">Forfeited</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xml:lang="en-US">Exercisable at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xml:lang="en-US">Weighted Average Remaining Contractual Term</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:label="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Contractual terms of options granted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Outstanding at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xml:lang="en-US">Exercisable at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract" xlink:label="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract" xml:lang="en-US">Aggregate Intrinsic Value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract" xlink:to="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Outstanding, Intrinsic Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US">Outstanding at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:label="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercisable, Intrinsic Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xml:lang="en-US">Exercisable at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_EquityIncentivePlanMember" xlink:label="loc_31290F3J262G9III3F2F_nick_EquityIncentivePlanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityIncentivePlanMember" xml:lang="en-US">Equity Incentive Plan [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityIncentivePlanMember" xml:lang="en-US">Equity plan</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityIncentivePlanMember" xml:lang="en-US">2006 Plan</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EquityIncentivePlanMember" xml:lang="en-US">This element represents information of equity incentive plan.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_EquityIncentivePlanMember" xlink:to="lab_53412H5L484I1KKK5H4H_nick_EquityIncentivePlanMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="loc_2JF107H7I93I_us-gaap_RestrictedStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_RestrictedStockMember" xml:lang="en-US">Restricted Stock [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RestrictedStockMember" xml:lang="en-US">Restricted Share Awards</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_RestrictedStockMember" xml:lang="en-US">Restricted stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_RestrictedStockMember" xlink:to="lab_4LH329J9K15K_us-gaap_RestrictedStockMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Nonvested, Number Of Shares [Roll Forward]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xml:lang="en-US">Shares</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Nonvested, Number</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Non-vested at March 31, 2015</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Non-vested at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Grants In Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Number of shares awarded</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Granted</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Vested In Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US">Vested, shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US">Vested</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Forfeited In Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US">Number of performance shares forfeited</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US">Forfeited</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US">Weighted Average Grant Date Fair Value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Nonvested, Weighted Average Grant Date Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Non-vested at March 31, 2015</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Non-vested at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Grants In Period, Weighted Average Grant Date Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Weighted average grant date fair value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Granted</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Vested In Period, Weighted Average Grant Date Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Vested</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Forfeitures, Weighted Average Grant Date Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US">Weighted average grant date fair value for forfeited shares</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US">Forfeited</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Additional Disclosures [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xml:lang="en-US">Weighted Average Remaining Contractual Term</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Outstanding, Weighted Average Remaining Contractual Terms</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xml:lang="en-US">Non-vested at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Intrinsic Value, Amount Per Share [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward" xml:lang="en-US">Aggregate Intrinsic Value</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xlink:label="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Nonvested</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xml:lang="en-US">Non-vested at March 31, 2016</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xlink:to="lab_4LH329J9K15K_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xlink:label="loc_31290F3J262G9III3F2F_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xml:lang="en-US">Employee Stock Option Plan And Non Employee Director Stock Option Plan 2015 [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xml:lang="en-US">2015 Plan</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xml:lang="en-US">This element represents information of 2015 employee stock option plan and non employee director stock option plan.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xlink:to="lab_53412H5L484I1KKK5H4H_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TitleOfIndividualAxis" xlink:label="loc_2JF107H7I93I_us-gaap_TitleOfIndividualAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_TitleOfIndividualAxis" xml:lang="en-US">Title of Individual [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_TitleOfIndividualAxis" xml:lang="en-US">Title of Individual [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_TitleOfIndividualAxis" xlink:to="lab_4LH329J9K15K_us-gaap_TitleOfIndividualAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TitleOfIndividualWithRelationshipToEntityDomain" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain" xml:lang="en-US">Title Of Individual With Relationship To Entity [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain" xml:lang="en-US">Title of Individual with Relationship to Entity [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DirectorMember" xlink:label="loc_2JF107H7I93I_us-gaap_DirectorMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DirectorMember" xml:lang="en-US">Director [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DirectorMember" xml:lang="en-US">Board of Directors</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DirectorMember" xlink:to="lab_4LH329J9K15K_us-gaap_DirectorMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_EmployeesAndDirectorsMember" xlink:label="loc_31290F3J262G9III3F2F_nick_EmployeesAndDirectorsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeesAndDirectorsMember" xml:lang="en-US">Employees and Directors [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeesAndDirectorsMember" xml:lang="en-US">Employees and Non-Employee Directors</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_EmployeesAndDirectorsMember" xml:lang="en-US">This element represents information of employees and directors of an entity.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_EmployeesAndDirectorsMember" xlink:to="lab_53412H5L484I1KKK5H4H_nick_EmployeesAndDirectorsMember"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_NumberOfShareBasedCompensationPlans" xlink:label="loc_2JF107H7I93I_nick_NumberOfShareBasedCompensationPlans"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_NumberOfShareBasedCompensationPlans" xml:lang="en-US">Number Of Share Based Compensation Plans</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_NumberOfShareBasedCompensationPlans" xml:lang="en-US">Number of share-based compensation plans</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_NumberOfShareBasedCompensationPlans" xml:lang="en-US">This element represents number of share based compensation plan.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_NumberOfShareBasedCompensationPlans" xlink:to="lab_4LH329J9K15K_nick_NumberOfShareBasedCompensationPlans"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Number Of Shares Authorized</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xml:lang="en-US">Number of shares authorized to grant</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Award Vesting Period</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xml:lang="en-US">Vesting period for stock awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Fair Value Assumptions, Method Used</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed" xml:lang="en-US">Fair value pricing method</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:label="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Exercises In Period, Total Intrinsic Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US">Total intrinsic value of options exercised</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_4LH329J9K15K_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xlink:label="loc_31290F3J262G9III3F2F_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Share Based Compensation Shares Exercised Under Stock Option Plans Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Exercise price of stock options exercised</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Share Based Compensation Shares Exercised Under Stock Option Plans Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_53412H5L484I1KKK5H4H_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xml:lang="en-US">This element represents price at which option holders acquired shares when converting their stock options into shares.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xlink:to="lab_53412H5L484I1KKK5H4H_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice"/>
<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xlink:label="loc_2JF107H7I93I_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Share Based Compensation Shares Forfeited Under Stock Option Plans Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Exercise price of stock options forfeited</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xml:lang="en-US">Share Based Compensation Shares Forfeited Under Stock Option Plans Exercise Price</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_4LH329J9K15K_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xml:lang="en-US">This element represents price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xlink:to="lab_4LH329J9K15K_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredTaxExpenseFromStockOptionsExercised" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_DeferredTaxExpenseFromStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredTaxExpenseFromStockOptionsExercised" xml:lang="en-US">Deferred Tax Expense from Stock Options Exercised</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredTaxExpenseFromStockOptionsExercised" xml:lang="en-US">Income tax benefits</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_DeferredTaxExpenseFromStockOptionsExercised" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_DeferredTaxExpenseFromStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:label="loc_2JF107H7I93I_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US">Employee Service Share-Based Compensation, Nonvested Awards, Total Compensation Cost Not Yet Recognized, Stock Options</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US">Unrecognized compensation cost</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:to="lab_4LH329J9K15K_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xml:lang="en-US">Employee Service Share-Based Compensation, Nonvested Awards, Total Compensation Cost Not Yet Recognized, Period For Recognition</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xml:lang="en-US">Weighted-average period expected to be recognized</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:label="loc_2JF107H7I93I_us-gaap_DefinedContributionPlanCostRecognized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_DefinedContributionPlanCostRecognized" xml:lang="en-US">Defined Contribution Plan, Cost Recognized</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_DefinedContributionPlanCostRecognized" xml:lang="en-US">Retirement plan 401(k) recorded expenses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_DefinedContributionPlanCostRecognized" xlink:to="lab_4LH329J9K15K_us-gaap_DefinedContributionPlanCostRecognized"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US">Operating Leases, Future Minimum Payments Due, Next Twelve Months</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US">2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due In Two Years</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US">2018</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due In Three Years</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US">2019</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due In Four Years</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US">2020</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due In Five Years</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xml:lang="en-US">2021</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xml:lang="en-US">Operating Leases, Future Minimum Payments Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xml:lang="en-US">Operating Leases, Future Minimum Payments Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xml:lang="en-US">Total</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="lab_4LH329J9K15K_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LeaseAndRentalExpense" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_LeaseAndRentalExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LeaseAndRentalExpense" xml:lang="en-US">Operating Leases, Rent Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_LeaseAndRentalExpense" xml:lang="en-US">Rent expense</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_LeaseAndRentalExpense" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_LeaseAndRentalExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Revenues" xlink:label="loc_2JF107H7I93I_us-gaap_Revenues"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_4LH329J9K15K_us-gaap_Revenues" xml:lang="en-US">Revenues</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Revenues" xml:lang="en-US">Total revenue</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Revenues" xml:lang="en-US">Revenues, Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_4LH329J9K15K_us-gaap_Revenues" xml:lang="en-US">Total revenue</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_2JF107H7I93I_us-gaap_Revenues" xlink:to="lab_4LH329J9K15K_us-gaap_Revenues"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="loc_31290F3J262G9III3F2F_us-gaap_NoninterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NoninterestExpense" xml:lang="en-US">Noninterest Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_53412H5L484I1KKK5H4H_us-gaap_NoninterestExpense" xml:lang="en-US">Non-interest expense</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_31290F3J262G9III3F2F_us-gaap_NoninterestExpense" xlink:to="lab_53412H5L484I1KKK5H4H_us-gaap_NoninterestExpense"/>




<loc xlink:type="locator" xlink:href="nick-20160331.xsd#nick_IncomeTaxDeficiencyFromShareAwards" xlink:label="loc_nick_IncomeTaxDeficiencyFromShareAwards"/>
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<label xlink:type="resource" xlink:label="lab_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Increase Decrease In Income Taxes Receivable And Payable</label>
<label xlink:type="resource" xlink:label="lab_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US">The increase (decrease) during the period in income taxes receivable, which represents the amount due from tax authorities for refunds of overpayments or recoveries of income taxes paid and income taces payable in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction.</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="loc_us-gaap_DebtDisclosureTextBlock"/>
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<label xlink:type="resource" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US">Line of Credit</label>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>21
<FILENAME>nick-20160331_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812030240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document and Entity Information - USD ($)<br> shares in Millions, $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Jun. 06, 2016</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DocumentAndEntityInformationAbstract', window );"><strong>Document and Entity Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NICHOLAS FINANCIAL INC<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001000045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">nick<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--03-31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 95.8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Mar. 31,  2016<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2016<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>If the value is true, then the document is an amendment to previously-filed/accepted document.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:gMonthDayItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12b<br> -Subsection 1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12b<br> -Subsection 1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DocumentAndEntityInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DocumentAndEntityInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>25
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6810730832">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Cash', window );">Cash</a></td>
<td class="nump">$ 1,849<span></span>
</td>
<td class="nump">$ 3,388<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">311,837<span></span>
</td>
<td class="nump">288,904<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation', window );">Assets held for resale</a></td>
<td class="nump">2,148<span></span>
</td>
<td class="nump">1,747<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="nump">977<span></span>
</td>
<td class="nump">1,144<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable</a></td>
<td class="nump">593<span></span>
</td>
<td class="nump">113<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Property and equipment, net</a></td>
<td class="nump">1,290<span></span>
</td>
<td class="nump">872<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Deferred income taxes</a></td>
<td class="nump">6,615<span></span>
</td>
<td class="nump">6,361<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">325,309<span></span>
</td>
<td class="nump">302,529<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and shareholders' equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LettersOfCreditOutstandingAmount', window );">Line of credit</a></td>
<td class="nump">211,000<span></span>
</td>
<td class="nump">199,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DraftsPayable', window );">Drafts payable</a></td>
<td class="nump">1,499<span></span>
</td>
<td class="nump">2,476<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent', window );">Accounts payable and accrued expenses</a></td>
<td class="nump">5,839<span></span>
</td>
<td class="nump">7,841<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Deferred revenues</a></td>
<td class="nump">3,917<span></span>
</td>
<td class="nump">3,143<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements</a></td>
<td class="nump">205<span></span>
</td>
<td class="nump">181<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">$ 222,460<span></span>
</td>
<td class="nump">$ 212,641<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract', window );"><strong>Shareholders' equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValueOutstanding', window );">Preferred stock, no par: 5,000 shares authorized; none issued</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValueOutstanding', window );">Common stock, no par: 50,000 shares authorized; 12,466 and 12,416 shares issued respectively; 7,753 and 7,702 shares outstanding, respectively</a></td>
<td class="nump">$ 33,287<span></span>
</td>
<td class="nump">$ 32,655<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock: 4,714 common shares, at cost</a></td>
<td class="num">(70,459)<span></span>
</td>
<td class="num">(70,409)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">140,021<span></span>
</td>
<td class="nump">127,642<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
<td class="nump">102,849<span></span>
</td>
<td class="nump">89,888<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">$ 325,309<span></span>
</td>
<td class="nump">$ 302,529<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(1),(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount classified as assets attributable to disposal group held for sale or disposed of.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=64862545&amp;loc=d3e2941-110230<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=65878427&amp;loc=d3e1107-107759<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5B<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=64827811&amp;loc=SL51721673-107760<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=65878427&amp;loc=SL51721533-107759<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Cash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Cash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14326-108349<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of all classes of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares exclude common shares repurchased by the entity and held as treasury shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValueOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred revenue as of balance sheet date. Deferred revenue represents collections of cash or other assets related to a revenue producing activity for which revenue has not yet been recognized. Generally, an entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 605<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 13.A.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=65893310&amp;loc=d3e214044-122780<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 605<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 13.A.4(a).Q1)<br> -URI http://asc.fasb.org/extlink&amp;oid=65893310&amp;loc=d3e214044-122780<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DraftsPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amounts due on drafts payable on the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DraftsPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value as of the balance sheet date of interest rate derivative liabilities, which includes all such derivative instruments in hedging and nonhedging relationships that are recognized as liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestRateDerivativeLiabilitiesAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LettersOfCreditOutstandingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of the contingent obligation under letters of credit outstanding as of the reporting date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LettersOfCreditOutstandingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by shareholders, which is net of related treasury stock. May be all or a portion of the number of preferred shares authorized. These shares represent the ownership interest of the preferred shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValueOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseAndOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PrepaidExpenseAndOtherAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797346336">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets (Parentheticals) - $ / shares<br> shares in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNoParValue', window );">Preferred stock, no par value (in dollars per share)</a></td>
<td class="nump">$ 0<span></span>
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<td class="nump">$ 0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">5,000<span></span>
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<td class="nump">5,000<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockNoParValue', window );">Common stock, no par value (in dollars per share)</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
<td class="nump">50,000<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
<td class="nump">12,466<span></span>
</td>
<td class="nump">12,466<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding</a></td>
<td class="nump">7,753<span></span>
</td>
<td class="nump">7,702<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
<td class="nump">4,714<span></span>
</td>
<td class="nump">4,714<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockNoParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount per share of no-par value common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockNoParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNoParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount per share of no-par value preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockNoParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812023776">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Income - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Revenue:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles', window );">Interest and fee income on finance receivables</a></td>
<td class="nump">$ 90,707<span></span>
</td>
<td class="nump">$ 86,790<span></span>
</td>
<td class="nump">$ 82,629<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpensesAbstract', window );"><strong>Expenses:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketingExpense', window );">Marketing</a></td>
<td class="nump">1,497<span></span>
</td>
<td class="nump">1,562<span></span>
</td>
<td class="nump">1,491<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
<td class="nump">22,313<span></span>
</td>
<td class="nump">20,835<span></span>
</td>
<td class="nump">19,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
<td class="nump">1,194<span></span>
</td>
<td class="nump">1,383<span></span>
</td>
<td class="nump">3,659<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GeneralAndAdministrativeExpense', window );">Administrative</a></td>
<td class="nump">9,831<span></span>
</td>
<td class="nump">9,843<span></span>
</td>
<td class="nump">9,041<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<span></span>
</td>
<td class="nump">14,979<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationNonproduction', window );">Depreciation</a></td>
<td class="nump">458<span></span>
</td>
<td class="nump">366<span></span>
</td>
<td class="nump">318<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">9,007<span></span>
</td>
<td class="nump">5,970<span></span>
</td>
<td class="nump">5,678<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1', window );">Change in fair value of interest rate swap agreements</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">364<span></span>
</td>
<td class="num">(688)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpenses', window );">Total operating expenses</a></td>
<td class="nump">70,602<span></span>
</td>
<td class="nump">60,694<span></span>
</td>
<td class="nump">54,112<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Operating income before income taxes</a></td>
<td class="nump">20,105<span></span>
</td>
<td class="nump">26,096<span></span>
</td>
<td class="nump">28,517<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">7,726<span></span>
</td>
<td class="nump">9,240<span></span>
</td>
<td class="nump">11,814<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per share:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic (in dollars per share)</a></td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted (in dollars per share)</a></td>
<td class="nump">1.59<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
<td class="nump">1.36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Dividends declared per share (in dollars per share)</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.24<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends declared during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationNonproduction">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense recognized in the current period that allocates the cost of nonproduction tangible assets over their useful lives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepreciationNonproduction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=65016374&amp;loc=d3e4984-109258<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GeneralAndAdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate total of expenses of managing and administering the affairs of an entity, including affiliates of the reporting entity, which are not directly or indirectly associated with the manufacture, sale or creation of a product or product line.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GeneralAndAdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) related to the fair value of interest rate derivatives designated as fair value hedging instruments, as offset by the gain (loss) on the hedged item to the extent that the fair value hedge is determined to be effective.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5618551-113959<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5624171-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest and fee income generated by automobile, marine, and other vehicle loans made to individuals.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=64930785&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expenditures for planning and executing the conception, pricing, promotion, and distribution of ideas, goods, and services. Costs of public relations and corporate promotions are typically considered to be marketing costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831255<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831270<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingExpensesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingExpensesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 225<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenuesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenuesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812510016">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Shareholders' Equity - USD ($)<br> shares in Thousands, $ in Thousands</strong></div></th>
<th class="th"><div>Common Stock</div></th>
<th class="th"><div>Treasury Stock</div></th>
<th class="th"><div>Retained Earnings</div></th>
<th class="th"><div>Total</div></th>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Mar. 31, 2013</a></td>
<td class="nump">$ 30,032<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 96,934<span></span>
</td>
<td class="nump">$ 126,966<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Mar. 31, 2013</a></td>
<td class="nump">12,154<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,703<span></span>
</td>
<td class="nump">16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Issuance of common stock under stock options</a></td>
<td class="nump">$ 329<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">329<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Issuance of common stock under stock options (in shares)</a></td>
<td class="nump">67<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense', window );">Excess tax benefit on share awards, net</a></td>
<td class="nump">$ 256<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">256<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross', window );">Share-based compensation</a></td>
<td class="nump">535<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">535<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,851)<span></span>
</td>
<td class="num">(2,851)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Mar. 31, 2014</a></td>
<td class="nump">$ 31,152<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">110,786<span></span>
</td>
<td class="nump">141,938<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Mar. 31, 2014</a></td>
<td class="nump">12,221<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,856<span></span>
</td>
<td class="nump">16,856<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Issuance of common stock under stock options</a></td>
<td class="nump">$ 389<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">389<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Issuance of common stock under stock options (in shares)</a></td>
<td class="nump">151<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Grants of restricted share awards, net of forfeitures (in shares)</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense', window );">Excess tax benefit on share awards, net</a></td>
<td class="nump">$ 600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">600<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross', window );">Share-based compensation</a></td>
<td class="nump">$ 514<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">514<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Common shares purchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (70,409)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(70,409)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Common shares purchased (in shares)</a></td>
<td class="num">(4,714)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Mar. 31, 2015</a></td>
<td class="nump">$ 32,655<span></span>
</td>
<td class="num">(70,409)<span></span>
</td>
<td class="nump">127,642<span></span>
</td>
<td class="nump">89,888<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Mar. 31, 2015</a></td>
<td class="nump">7,702<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,379<span></span>
</td>
<td class="nump">12,379<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Issuance of common stock under stock options</a></td>
<td class="nump">$ 85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">85<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Issuance of common stock under stock options (in shares)</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Grants of restricted share awards, net of forfeitures (in shares)</a></td>
<td class="nump">38<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_IncomeTaxDeficiencyFromShareAwards', window );">Tax deficiency on share awards</a></td>
<td class="num">$ (38)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense', window );">Excess tax benefit on share awards, net</a></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross', window );">Share-based compensation</a></td>
<td class="nump">574<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">574<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_AdditionalTenderOfferCost', window );">Additional tender offer cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(50)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(50)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Mar. 31, 2016</a></td>
<td class="nump">$ 33,287<span></span>
</td>
<td class="num">$ (70,459)<span></span>
</td>
<td class="nump">$ 140,021<span></span>
</td>
<td class="nump">$ 102,849<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance (in shares) at Mar. 31, 2016</a></td>
<td class="nump">7,753<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_AdditionalTenderOfferCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represent additional tender offer cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_AdditionalTenderOfferCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_IncomeTaxDeficiencyFromShareAwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents income tax deficiency from share awards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_IncomeTaxDeficiencyFromShareAwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsCommonStockCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total recognized tax benefit related to compensation cost for equity-based payment arrangements recognized in income during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInStockholdersEquityRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831255<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831270<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued which are neither cancelled nor held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP). Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of stock issued as a result of the exercise of stock options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>29
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6810625952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Cash Flows - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationNonproduction', window );">Depreciation</a></td>
<td class="nump">458<span></span>
</td>
<td class="nump">366<span></span>
</td>
<td class="nump">318<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">(Gain) loss on sale of property and equipment</a></td>
<td class="num">(24)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="num">(64)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<span></span>
</td>
<td class="nump">14,979<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentForAmortization', window );">Amortization of dealer discounts</a></td>
<td class="num">(13,811)<span></span>
</td>
<td class="num">(13,852)<span></span>
</td>
<td class="num">(13,491)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income taxes</a></td>
<td class="num">(292)<span></span>
</td>
<td class="nump">356<span></span>
</td>
<td class="nump">1,710<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="nump">574<span></span>
</td>
<td class="nump">514<span></span>
</td>
<td class="nump">535<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1', window );">Change in fair value of interest rate swap agreements</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">364<span></span>
</td>
<td class="num">(688)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Changes in operating assets and liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="nump">192<span></span>
</td>
<td class="nump">66<span></span>
</td>
<td class="num">(129)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities', window );">Accounts payable and accrued expenses</a></td>
<td class="num">(2,002)<span></span>
</td>
<td class="num">(1,085)<span></span>
</td>
<td class="nump">1,519<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable', window );">Income taxes receivable</a></td>
<td class="num">(480)<span></span>
</td>
<td class="nump">981<span></span>
</td>
<td class="num">(991)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredRevenue', window );">Deferred revenues</a></td>
<td class="nump">774<span></span>
</td>
<td class="nump">815<span></span>
</td>
<td class="nump">965<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
<td class="nump">24,070<span></span>
</td>
<td class="nump">25,758<span></span>
</td>
<td class="nump">21,366<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PurchaseAndOriginationOfFinanceContracts', window );">Purchase and origination of finance contracts</a></td>
<td class="num">(173,027)<span></span>
</td>
<td class="num">(164,830)<span></span>
</td>
<td class="num">(156,997)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment', window );">Principal payments received including recoveries</a></td>
<td class="nump">137,627<span></span>
</td>
<td class="nump">138,752<span></span>
</td>
<td class="nump">135,992<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_IncreaseInAssetsHeldForResale', window );">Increase in assets held for resale</a></td>
<td class="num">(401)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
<td class="num">(493)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase of property and equipment</a></td>
<td class="num">(913)<span></span>
</td>
<td class="num">(443)<span></span>
</td>
<td class="num">(465)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment', window );">Proceeds from sale of property and equipment</a></td>
<td class="nump">61<span></span>
</td>
<td class="nump">68<span></span>
</td>
<td class="nump">83<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
<td class="num">(36,653)<span></span>
</td>
<td class="num">(26,504)<span></span>
</td>
<td class="num">(21,880)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit', window );">Net proceeds from line of credit</a></td>
<td class="nump">12,000<span></span>
</td>
<td class="nump">71,100<span></span>
</td>
<td class="nump">2,400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Payment of cash dividend</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,851)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_IncreaseDecreaseInDraftsPayable', window );">(Decrease) increase in drafts payable</a></td>
<td class="num">(977)<span></span>
</td>
<td class="nump">137<span></span>
</td>
<td class="nump">242<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Payment of debt origination costs</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(318)<span></span>
</td>
<td class="num">(25)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of share awards</a></td>
<td class="nump">85<span></span>
</td>
<td class="nump">389<span></span>
</td>
<td class="nump">329<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities', window );">Excess tax benefits of stock options</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">600<span></span>
</td>
<td class="nump">256<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of common shares</a></td>
<td class="num">(50)<span></span>
</td>
<td class="num">(70,409)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
<td class="nump">11,044<span></span>
</td>
<td class="nump">1,499<span></span>
</td>
<td class="nump">351<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashPeriodIncreaseDecrease', window );">Net (decrease) increase in cash</a></td>
<td class="num">(1,539)<span></span>
</td>
<td class="nump">753<span></span>
</td>
<td class="num">(163)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Cash', window );">Cash, beginning of year</a></td>
<td class="nump">3,388<span></span>
</td>
<td class="nump">2,635<span></span>
</td>
<td class="nump">2,798<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Cash', window );">Cash, end of year</a></td>
<td class="nump">1,849<span></span>
</td>
<td class="nump">$ 3,388<span></span>
</td>
<td class="nump">$ 2,635<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Supplemental disclosure of noncash investing and financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_TaxDeficiencyFromShareAwards', window );">Tax deficiency from share awards</a></td>
<td class="num">$ (38)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_IncreaseDecreaseInDraftsPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting in the amount of Draft payable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_IncreaseDecreaseInDraftsPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the period in income taxes receivable, which represents the amount due from tax authorities for refunds of overpayments or recoveries of income taxes paid and income taces payable in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_IncreaseInAssetsHeldForResale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with assets held for resale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_IncreaseInAssetsHeldForResale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PurchaseAndOriginationOfFinanceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition and origination of finance contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PurchaseAndOriginationOfFinanceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_TaxDeficiencyFromShareAwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represent tax deficiency from share awards</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_TaxDeficiencyFromShareAwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentForAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of recurring noncash expense charged against earnings in the period to allocate the cost of assets over their estimated remaining economic lives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66006027&amp;loc=d3e16323-109275<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentForAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Cash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Cash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash. Cash is the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Includes effect from exchange rate changes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=49171198&amp;loc=d3e33268-110906<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=63044130<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationNonproduction">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense recognized in the current period that allocates the cost of nonproduction tangible assets over their useful lives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepreciationNonproduction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=65896087&amp;loc=d3e11374-113907<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of property, plant and equipment assets, including oil and gas property and timber property.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfPropertyPlantEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the amounts payable to vendors for goods and services received and the amount of obligations and expenses incurred but not paid.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeferredRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period, excluding the portion taken into income, in the liability reflecting revenue yet to be earned for which cash or other forms of consideration was received or recorded as a receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeferredRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) related to the fair value of interest rate derivatives designated as fair value hedging instruments, as offset by the gain (loss) on the hedged item to the extent that the fair value hedge is determined to be effective.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5618551-113959<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5624171-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in prepaid expenses, and assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3521-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831255<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831270<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDebtIssuanceCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow paid to third parties in connection with debt origination, which will be amortized over the remaining maturity period of the associated long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from repayments of the balance excluding interest (principal) on loans receivable and leases held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or cash outflow from a contractual arrangement with the lender, including letter of credit, standby letter of credit and revolving credit arrangements, under which borrowings can be made up to a specific amount at any point in time with either short term or long term maturity that is collateralized (backed by pledge, mortgage or other lien in the entity's assets).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 9<br> -Subparagraph c<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3098-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromRepaymentsOfLinesOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3179-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3255-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6802281216">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Organization and Basis of Presentation<br></strong></div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation Of Financial Statements [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock', window );">Organization and Basis of Presentation</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>1. Organization and Basis of Presentation</b></p>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the business description and basis of presentation concepts.  Business description describes the nature and type of organization including but not limited to organizational structure as may be applicable to holding companies, parent and subsidiary relationships, business divisions, business units, business segments, affiliates and information about significant ownership of the reporting entity.  Basis of presentation describes the underlying basis used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS).</p></div>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794545616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>2. Summary of Significant Accounting Policies</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Consolidation</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The consolidated financial statements include the accounts of Nicholas Financial &#8211; Canada and its wholly owned subsidiaries, NDS and NFI, collectively referred to as (the &#8220;Company&#8221;). All intercompany transactions and balances have been eliminated.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Dividends</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following cash dividends were declared during fiscal year ended March&#160;31, 2014. No dividends were declared during the fiscal years ended March&#160;31, 2015 and 2016.</p>
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<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Amount&#160;of</b><br /><b>Dividend</b></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px;
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of administrative expenses.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Tender Offer</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">On March&#160;19, 2015, the Company announced the final results of the modified &#8220;Dutch auction&#8221; tender offer for the purchase of approximately 4.7&#160;million shares of the Company&#8217;s common shares by its principal operating subsidiary.&#160;The tender offer expired on March&#160;13, 2015.&#160;Total payments for common shares, including costs were approximately $70.5 million. Such costs were recorded as an increase to treasury stock, reducing shareholders&#8217; equity.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The aggregate number of common shares purchased in the tender offer by Nicholas represented approximately 38.0% of the Company&#8217;s outstanding common shares as of March&#160;17, 2015.&#160;Following settlement of the tender offer, the Company had approximately 7.7&#160;million common shares outstanding.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Use of Estimates</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements.</p>
<div style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;">&#160;</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Finance Receivables</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&#160;31, 2016 and March&#160;31, 2015 are approximately $186.3 and 169.1&#160;million respectively (See Note 3).</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Allowance for Credit Losses</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The allowance for credit losses is increased by charges against earnings and decreased by charge-offs (net of recoveries). The Company aggregates Contracts into static pools consisting of Contracts purchased during a three-month period for each branch location as management considers these pools to have similar risk characteristics. Management&#8217;s periodic evaluation of the adequacy of the allowance is based on the Company&#8217;s past loan experience, known and inherent risks in the portfolio, adverse situations that may affect the borrowers&#8217; ability to repay, the estimated value of any underlying collateral, and current economic conditions. As conditions change, the Company&#8217;s level of provisioning and allowance may change as well.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Assets Held for Resale</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Assets held for resale are stated at net realizable value and consist primarily of automobiles that have been repossessed by the Company and are awaiting final disposition. Most costs associated with repossession, transport and auction preparation expenses are reported under operating expenses in the period in which they are
 incurred.</div>
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<div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Equipment</div>
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<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">5 years</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Furniture and fixtures</div>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">7 years</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<div style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Leasehold&#160;improvements</div>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">Lesser&#160;of&#160;lease&#160;term&#160;or&#160;useful&#160;life<br />(generally&#160;6&#160;-&#160;7&#160;years)</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Drafts Payable</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Drafts payable represent checks disbursed for loan purchases which have not yet been funded. Amounts generally clear within two business days of period end and then increase the line of credit or reduce cash.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Income Taxes</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases along with operating loss and tax credit carryforwards, if any. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rate is recognized in income in the period that includes the enactment date.</div>
<div style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</div>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company recognizes tax benefits from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from any such position would be measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. It is the Company&#8217;s policy to recognize interest and penalties accrued on any uncertain tax benefits as a component of income tax expense. The Company does not have any accrued interest or penalties associated with any unrecognized tax benefits, nor has the Company recognized any related interest or penalties during the three years ended March&#160;31, 2016.</div>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company files income tax returns in the U.S. Federal jurisdiction and various State jurisdictions. The Company is no longer subject to U.S. Federal and State tax examinations for years before 2013. The Company does not believe there will be any material changes in its unrecognized
 tax positions over the next 12 months.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Revenue Recognition</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Interest income on finance receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier, or when the account is in Chapter 13 bankruptcy. Chapter 13 bankruptcy accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankruptcy accounts does not resume until all principal amounts are recovered (see Note 3).</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle, and competition in any given market. In making decisions regarding the purchase of a particular Contract the Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The dealer discount is amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount, as a percent of the amount financed, associated with new volume for the fiscal years ended March&#160;31, 2016, 2015, and 2014 was 7.51%, 8.08% and 8.44%, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the Contract amount.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company&#8217;s net costs for originating Direct Loans are deferred and recognized as an adjustment to the yield and are amortized over the life of the loan using the interest method.</p>
<div style="font: /normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;">&#160;</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Earnings Per Share</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per share is calculated using the two-class method. Basic earnings per share is calculated by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period, which excludes the participating securities. Diluted earnings per share includes the dilutive effect of additional potential common shares from stock compensation awards. Earnings per share have been computed based on the following weighted average number of common shares outstanding:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"><b>Fiscal Year ended March&#160;31,</b><br /><b>(In&#160;thousands,&#160;except&#160;earnings&#160;per&#160;share&#160;numbers)</b></td>
<td
 valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Numerator:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income per consolidated statements of income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,379</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Allocation of earnings to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(170</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Basic earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td
 valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,727</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Weighted average participating securities outstanding</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(105</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman';
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</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1.60</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.40</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.38</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Diluted earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Undistributed earnings re-allocated to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,211</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>70</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">179</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">229</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average shares and dilutive potential common shares</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,692</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,192</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,325</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1.59</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.38</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.36</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 155,000, and 10,000 stock options were not included in the computation of diluted earnings per share for the years ended March&#160;31, 2016, 2015 and 2014 respectively, because their effect would have been anti-dilutive.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing:
 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Share-Based Payments</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively the vesting period). The Company estimates the fair value of option awards using the Black-Scholes option pricing model. The risk-free interest rate is based upon a U.S. Treasury instrument with a life that is similar to the expected term of the options. Expected volatility is based upon the historical volatility for the previous period equal to the expected term of the options. The expected term is based upon the average life of previously issued options. The expected dividend yield is based upon the yield expected on date of grant to occur over the term of the option. The fair value of non-vested restricted and performance shares are measured at the market price of a share on a grant date.</div>
<p style="font: 8pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The pool of excess tax benefits available to absorb future tax deficiencies is based on increases to shareholders&#8217; equity related to tax benefits from share-based compensation, combined with the tax on the cumulative incremental compensation costs previously included in pro forma net income disclosures as if the Company had applied the fair-value method to all awards.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Fair Value Measurements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions (see Note 7).</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Financial Instruments and Concentrations</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company&#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), the line of credit, and interest rate swap agreements. Financial instruments that are exposed to concentrations of credit risk are primarily finance receivables and cash.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">As of March&#160;31, 2016, the Company operated in eighteen states through sixty-seven branch locations. Florida represented 29% of the finance receivables total as of March&#160;31, 2016. Ohio represented 14%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&#160;31, 2016. Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables. The Company provides credit during the normal course of business and performs ongoing credit evaluations of its customers.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company maintains reserves for potential credit losses which, when realized, have been within the range of management&#8217;s expectations. The Company perfects a primary security interest in all vehicles financed as a form of collateral.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The combined account balances the Company maintains at financial institutions typically exceed federally insured limits, and there is a concentration of credit risk related to accounts on deposit in excess of federally insured limits. The Company has not experienced any losses in such accounts and believes this risk of loss is not significant.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width:
 0px;"><b>Interest Rate Swap Agreements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Interest rate swap agreements are reported as either assets or liabilities in the consolidated balance sheet at fair value. Interest rate swap agreements are not designated as cash-flow hedges, and accordingly, the changes in the fair value are recorded in earnings. The Company does not use interest rate swap agreements for speculative purposes (see Note 6).</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Statements of Cash Flows</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Cash paid for income taxes for the years ended March&#160;31, 2016, 2015 and 2014 was approximately $8.5 million, $7.3 million and $10.8 million respectively. Cash paid for interest, including debt origination costs for the years ended March&#160;31, 2016, 2015 and 2014 was approximately $8.8 million, $6.1 million and $5.7 million respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Recent Accounting Pronouncements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In March 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued the Accounting Standards Update (&#8220;ASU&#8221;) 2016-09, &#8220;<i>Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&#8221;&#160;</i>which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. For public entities, ASU 2016-09 is effective for annual periods beginning after December&#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements.</p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In February 2016, the FASB issued ASU No.&#160;2016-02, &#8220;Leases&#8221;, intended to improve financial reporting about leasing transactions. The ASU affects all companies and other organizations that lease assets such as real estate, airplanes, and manufacturing equipment.&#160;&#8220;The ASU will require organizations that lease assets&#8212;referred to as &#8220;lessees&#8221;&#8212;to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The accounting by organizations that own the assets leased by the lessee&#8212;also known as lessor accounting&#8212; will remain largely unchanged from current U.S. GAAP. ASU 2016-02 is effective for annual periods beginning after December&#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</div>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In January 2016, the FASB issued ASU No.&#160;2016-01, &#8220;Financial Instruments&#8212;Recognition and Measurement of Financial Assets and Liabilities,&#8221; which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &#8220;own credit&#8221;) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&#160;15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In April 2015, the FASB issued ASU No.&#160;2015-03, &#8220;Interest - Imputation of Interest (Subtopic 835-30): Simplifying the
 Presentation of Debt Issuance Costs.&#8221; The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. In August 2015, the FASB issued ASU No.&#160;2015-15, since 2015-03 did not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. The SEC staff indicated they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The amendments are effective for financial statements issued for fiscal years beginning after December&#160;15, 2015, and interim periods within those fiscal years. Early adoption of the amendments is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements.</p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">In May 2014, the FASB issued ASU No.&#160;2014-09, &#8220;Revenue from Contracts with Customers (Topic 606)&#8221;. The ASU requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU, and all subsequently issued clarifying ASUs, will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. The standard permits the use of either the retrospective or cumulative effect transition method. On July&#160;9, 2015, the FASB approved the deferral of the effective date of ASU 2014-09 by one year. As a result, ASU 2014-09 will be effective for annual reporting periods beginning after December&#160;15, 2017, including interim periods within that reporting period. The ASU would permit public entities to adopt the ASU early, but not before the original effective date (i.e., annual periods beginning after December&#160;15, 2016). The Company has not yet selected a transition method and is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
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<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>3. Finance Receivables</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Finance receivables consist of Contracts and Direct Loans, each of which comprise a portfolio segment. Each portfolio segment consists of smaller balance homogeneous loans which are collectively evaluated for impairment.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company purchases individual Contracts from new and used automobile dealers in its markets. There is no relationship between the Company and the dealer with respect to a given Contract once the assignment of that Contract is complete. The dealer has no vested interest in the performance of any Contract the Company purchases. The Company charges-off receivables when an individual account has become more than 120 days contractually delinquent. In the event of repossession, the charge-off will occur in the month in which the vehicle was repossessed.&#160;</p>
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<td valign="bottom" width="5%"></td>
<td></td>
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<td></td>
<td valign="bottom" width="5%"></td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, gross contract</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>487,118</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">447,043</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">413,612</td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Unearned interest</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(152,911</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(136,896</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(121,996</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, net of unearned interest</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>334,207</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">310,147</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">291,616</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Unearned dealer discounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(18,023</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(17,780</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(17,214</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, net of unearned interest and unearned dealer discounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>316,184</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">292,367</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">274,402</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(12,265</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(11,325</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(12,889</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>303,919</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">281,042</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">261,513</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.67% and 22.86% as of March&#160;31, 2016 and 2015, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Contracts for the fiscal years ended March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="67%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at beginning of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,325</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,091</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>25,926</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">20,008</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">14,694</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(27,963</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(25,042</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(21,691</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2,977</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3,470</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3,795</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,265</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,325</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company purchases Contracts from automobile dealers at a negotiated price that is less than the original principal amount being financed by the purchaser of the automobile. The Contracts are predominately for used vehicles. As of March&#160;31, 2016, the average model year of vehicles collateralizing the portfolio was a 2007 vehicle. The Company utilizes a static pool approach to track portfolio performance. If the allowance for credit losses is determined to be inadequate for a static pool, then an additional charge to income through the provision is used to maintain adequate reserves based on management&#8217;s evaluation of the risk inherent in the loan portfolio, the composition of the portfolio, and current economic conditions. Such evaluation, considers among other matters, the estimated net realizable value of the underlying collateral, economic conditions, historical loan loss experience, management&#8217;s estimate of probable credit losses and other factors that warrant recognition in providing for an adequate allowance for credit losses.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Direct Loans are also included in finance receivables and are detailed as follows as of fiscal years ended March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="70%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, gross contract</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,012</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,932</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,731</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(2,346</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(2,367</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(2,311</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, net of unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>8,666</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,565</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,420</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(748</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(703</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(590</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,918</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,862</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,830</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The terms of the Direct Loans range from 12 to 60 months and bear a weighted average contractual interest rate of 25.72% and 26.14% as of March&#160;31, 2016 and 2015, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following table sets forth a reconciliation of the changes in the allowance for credit losses on Direct Loans for the fiscal years ended March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="73%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b></b>2015<b></b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b></b>2014<b></b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at beginning of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>703</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">468</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>352</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">362</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">285</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(328</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(277</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(192</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>21</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">28</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">29</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>748</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Direct Loans are loans originated directly between the Company and the consumer. These loans are typically for amounts ranging from $1,000 to $9,000 and are generally secured by a lien on an automobile, watercraft or other permissible tangible personal property. The majority of Direct Loans are originated with current or former customers under the Company&#8217;s automobile financing program. The typical Direct Loan represents a significantly better credit risk than Contracts due to the customer&#8217;s historical payment history with the Company; however, the underlying collateral is less valuable. In deciding whether or not to make a loan, the Company considers the individual&#8217;s credit history, job stability, income and impressions created during a personal interview with a Company loan officer. Additionally, because most of the Direct Loans made by the Company to date have been made to borrowers under Contracts previously purchased by the Company, the payment history of the borrower under the Contract is a significant factor in making the loan decision. As of March&#160;31, 2016, loans made by the Company pursuant to its Direct Loan program constituted approximately 2% of the aggregate principal amount of the Company&#8217;s loan portfolio. Changes in the allowance for credit losses for both Contracts and Direct Loans were driven by current economic conditions and credit loss trends over several reporting periods which are utilized in estimating future losses and overall portfolio performance.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">A performing account is defined as an account that is less than 61 days past due. A non-performing account is defined as an account that is contractually delinquent for 61 days or more or is a Chapter 13 bankruptcy account, and the accrual of interest income is suspended. When an account is 120 days contractually delinquent, the account is written off. Upon notification of a bankruptcy, an account is monitored for collection with other Chapter 13 bankruptcy accounts. In the event the debtors balance has been reduced by the bankruptcy court, the Company will record a loss equal to the amount of principal balance reduction. The remaining balance will be reduced as payments are received by the bankruptcy court. In the event an account is dismissed from bankruptcy, the Company will decide, based on several factors, to begin repossession proceedings or to allow the customer to begin making regularly scheduled payments.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following table is an assessment of the credit quality by creditworthiness as of March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="62%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="14"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>2015</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Contracts</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Direct&#160;Loans</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Contracts</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Direct&#160;Loans</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Performing accounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>473,429</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,899</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>438,318</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,855</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Non-performing accounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>9,435</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>79</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,765</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>57</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Total</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>482,864</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,978</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>443,083</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,912</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Chapter 13 bankruptcy accounts, net of unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,254</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>34</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>3,960</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>20</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>487,118</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,012</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>447,043</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,932</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;">&#160;</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and Direct Loans, excluding any Chapter 13 bankruptcy accounts:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="60%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="18"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Contracts</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br  />Outstanding</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31&#160;&#8211;&#160;60&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61&#160;&#8211;&#160;90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over<br  />90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>March&#160;31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;482,864</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;17,466</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;6,069</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;3,366</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;26,901</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>3.61</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1.26</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.70</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>5.57</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">March 31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">443,083</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,694</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,435</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,330</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,459</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3.09</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.78</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.30</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.17</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">March 31, 2014</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">410,532</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,713</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,944</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,897</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,554</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2.85</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.72</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.46</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.03</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Direct Loans</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross&#160;Balance<br  />Outstanding</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31&#160;&#8211;&#160;60&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61&#160;&#8211;&#160;90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over<br  />90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>March&#160;31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,978</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>161</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>41</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>38</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>240</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1.47</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.37</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
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<td align="right" valign="bottom">42</td>
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<td valign="bottom">&#160;</td>
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<td align="right" valign="bottom">15</td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
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<td align="right" valign="bottom">143</td>
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<td align="right" valign="bottom">25</td>
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<td align="right" valign="bottom">23</td>
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<td valign="bottom">&#160;</td>
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<td align="right" valign="bottom">191</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets.</p></div>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
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</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Automobiles</p>
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<td align="right" valign="bottom">613</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">365</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">248</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Equipment</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">906</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">516</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">390</td>
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<td valign="top">
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Leasehold improvements</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p></div>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794543216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest Rate Swap Agreements<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company utilizes interest rate swap agreements to manage exposure to variability in expected cash flows attributable to interest rate risk. The interest rate swap agreements convert a portion of the Company&#8217;s floating rate debt to a fixed rate, more closely matching the interest rate characteristics of the Company&#8217;s finance receivables. As of the twelve months ended March&#160;31, 2016 and 2015, no new contracts were initiated and no contracts matured.</p>
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<td align="right" valign="bottom"><b>(24</b></td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Periodic settlement differentials included in interest expense</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(343</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Average variable rate received</p>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Disclosures<br></strong></div></th>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom"></td>
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<td valign="bottom"><b>$</b></td>
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<td align="right" valign="bottom"><b>0</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom">$</td>
<td align="right" valign="bottom">3,388</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,388</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Finance receivables:</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"><b>March 31, 2016</b></p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>311,837</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">March 31, 2015</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Line of credit:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"><b>March 31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>211,000</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>211,000</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>211,000</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">March 31, 2015</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">199,000</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">199,000</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 18pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><u>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis</u></p>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>8. Income Taxes</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The provision for income taxes consists of the following for the years ended March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="74%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="10"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Current:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Federal</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>6,931</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,688</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8,709</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">State</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1,049</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,196</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,395</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;">Total current</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,980</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,884</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">10,104</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Deferred:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Federal</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(221</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">308</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,474</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">State</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(33</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">48</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">236</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 5em;">Total deferred</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(254</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">356</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,710</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,814</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;">&#160;</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes are reflected in deferred income taxes. Significant components of the Company&#8217;s deferred tax assets consist of the following as of March&#160;31:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="82%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="6"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses not currently deductible for tax purposes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,918</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,552</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Share-based compensation</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>491</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">514</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Interest rate swap agreements</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>78</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">69</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Other items</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>128</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">226</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
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<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">31</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">40</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794571440">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company has share awards outstanding under two share-based compensation plans (the &#8220;Equity Plans&#8221;). The Company believes that such awards better align the interests of its employees with those of its shareholders. Under the shareholder-approved 2006 Equity Incentive Plan (the &#8220;2006 Plan&#8221;) the Board of Directors was authorized to grant option awards for up to approximately 1.1&#160;million common shares. On August&#160;13, 2015, the Company&#8217;s shareholders approved the Nicholas Financial, Inc. Omnibus Incentive Plan (the &#8220;2015 Plan&#8221;) for employees and non-employee directors. Under the 2015 Plan, the Board of Directors is authorized to grant total share awards for up to 750,000 common shares. Awards under the 2006 Plan will continue to be governed by the terms of that plan. The 2015 Plan replaced the 2006 Plan; accordingly no additional option awards may be granted under the 2006 Plan. In addition to option awards, the 2015 Plan provides for restricted stock, performance share awards, and other equity based compensation.</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Option awards previously granted to employees and directors under the 2006 Plan generally vest ratably based on service over a five- and three-year period, respectively, and generally have a contractual term of ten years. Vesting and contractual terms for option awards under the 2015 Plan are essentially the same as those of the 2006 Plan. Restricted stock awards generally cliff vest over a three-year period based on service conditions. The annual vesting of performance share awards is contingent upon the attainment of company-wide performance goals including annual revenue growth and operating income targets. There are no post-vesting restrictions for share awards.</p>
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<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Risk-free interest rate</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.58</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.68</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average expected original term</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5&#160;years</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5&#160;years</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Expected volatility</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">23</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">23</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Expected dividend yield</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.00</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3.65</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px;
 letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company did not grant any options during the year ended March&#160;31, 2014.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">A summary of option activity under the Equity Plans as of March&#160;31, 2016, and changes during the year are presented below.</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="67%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" colspan="2">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="6"><b>(Shares in thousands)</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" colspan="2">&#160;</td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 27.05pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Options</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Shares</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Weighted<br />Average<br />Exercise<br />Price</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Weighted<br />Average<br />Remaining<br />Contractual<br />Term</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Aggregate<br />Intrinsic<br />Value</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Outstanding at March&#160;31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">363</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9.86</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Granted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">10</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12.95</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Exercised</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(13</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6.45</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Forfeited</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(3</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10.07</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top:
 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Outstanding at March&#160;31, 2016</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">357</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10.07</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5.75</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">725</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Exercisable at March&#160;31, 2016</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">198</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7.75</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.04</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">725</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company granted approximately 10,000 options with a weighted average fair value of $3.01 during the year ended March&#160;31, 2016. The total intrinsic value of options exercised during the years ended March&#160;31, 2016, 2015 and 2014 was approximately $82,000, $1,829,000, and $699,000 respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">During the fiscal year ended March&#160;31, 2016, approximately 13,000 options were exercised at exercise prices ranging from $1.20 to $10.96 per share. During the same period approximately 3,000 options were forfeited at exercise prices ranging from $3.60
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Cash received from options exercised during the fiscal years ended March&#160;31, 2016, 2015 and 2014 totaled approximately $85,000, $389,000, and $329,000, respectively. Related income tax benefits during the same periods totaled approximately $31,000, $700,000, and $267,000, respectively. Such amounts are included in proceeds from exercise of stock options and excess tax benefit on share awards under cash flows from financing activities in the consolidated statements of cash flows. As of March&#160;31, 2016, there was approximately $246,000 of total unrecognized compensation cost related to options granted. That cost is expected to be recognized over a weighted-average period of approximately 2.6 years.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">A summary of the status of the Company&#8217;s non-vested restricted shares under the Equity Plan as of March&#160;31, 2016, and changes during the year then ended is presented below.</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="63%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" colspan="2">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="6"><b>(Shares in thousands)</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" colspan="2">&#160;</td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 85.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Restricted Share Awards</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Shares</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Weighted<br />Average<br />Grant&#160;Date<br />Fair Value</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Weighted<br />Average<br />Remaining<br />Contractual<br />Term</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Aggregate<br />Intrinsic<br />Value</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Non-vested at March 31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">89</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13.56</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,670</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,256</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>2,727</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>2,726</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style:
 double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Earnings per share:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Basic</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.48</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.43</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.36</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Diluted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.47</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.42</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="16"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"><b>Fiscal Year ended March&#160;31, 2015</b><br /><b>(In thousands, except earnings per share amounts)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td
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<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>First<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Second<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Third<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Fourth<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Total revenue</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,333</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,723</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,801</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,933</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,449</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,485</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,458</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,578</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,232</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,154</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,797</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,188</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Non-interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,921</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,089</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,408</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,935</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Operating income before income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,731</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,995</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right"
 valign="bottom">6,138</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,232</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,822</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,665</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,369</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,384</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,909</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,330</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,769</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,848</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
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<td valign="bottom"></td>
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<td valign="bottom"></td>
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<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">0.30</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Consolidation</a></td>
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Consolidation</b></p>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DividendDeclarationAndPaymentPolicyTextBlock', window );">Dividends</a></td>
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<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"><b>Date&#160;Paid</b></td>
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<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Amount&#160;of</b><br  /><b>Dividend</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="top"></td>
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<td valign="bottom"></td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
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<td valign="bottom">$</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Payment of cash dividends results in a 5% withholding tax payable by the Company under the Canada-United States Income Tax Convention which is included in earnings under the caption of administrative expenses.</p><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_TenderOfferPolicyTextBlock', window );">Tender Offer</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Tender Offer</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">On March&#160;19, 2015, the Company announced the final results of the modified &#8220;Dutch auction&#8221; tender offer for the purchase of approximately 4.7&#160;million shares of the Company&#8217;s common shares by its principal operating subsidiary.&#160;The tender offer expired on March&#160;13, 2015.&#160;Total payments for common shares, including costs were approximately $70.5 million. Such costs were recorded as an increase to treasury stock, reducing shareholders&#8217; equity.</p>
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<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Use of Estimates</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables and the fair value of interest rate swap agreements.</div>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Finance Receivables</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Finance Receivables</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&#160;31, 2016 and March&#160;31, 2015 are approximately $186.3 and 169.1&#160;million respectively (See Note 3).</div>
</div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts', window );">Allowance for Credit Losses</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Allowance for Credit Losses</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The allowance for credit losses is increased by charges against earnings and decreased by charge-offs (net of recoveries). The Company aggregates Contracts into static pools consisting of Contracts purchased during a three-month period for each branch location as management considers these pools to have similar risk characteristics. Management&#8217;s periodic evaluation of the adequacy of the allowance is based on the Company&#8217;s past loan experience, known and inherent risks in the portfolio, adverse situations that may affect the borrowers&#8217; ability to repay, the estimated value of any underlying collateral, and current economic conditions. As conditions change, the Company&#8217;s level of provisioning and allowance may change as well.</p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_AssetsHeldForResalePolicyTextBlock', window );">Assets Held for Resale</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Assets Held for Resale</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Assets held for resale are stated at net realizable value and consist primarily of automobiles that have been repossessed by the Company and are awaiting final disposition. Most costs associated with repossession, transport and auction preparation expenses are reported under operating expenses in the period in which they are incurred.</p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Property and Equipment</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Property and Equipment</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Property and equipment are recorded at cost, net of accumulated depreciation. Expenditures for repairs and maintenance are charged to expense as incurred. Depreciation of property and equipment is computed using the straight-line method over the estimated useful lives of the assets as follows:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 68%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="61%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Automobiles</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">3 years</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Equipment</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">5 years</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Furniture and fixtures</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">7 years</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Leasehold&#160;improvements</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom">Lesser&#160;of&#160;lease&#160;term&#160;or&#160;useful&#160;life<br  />(generally&#160;6&#160;-&#160;7&#160;years)</td>
</tr>
</table>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DraftPayablePolicyTextBlock', window );">Drafts Payable</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Drafts Payable</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Drafts payable represent checks disbursed for loan purchases which have not yet been funded. Amounts generally clear within two business days of period end and then increase the line of credit or reduce cash.</div>
</div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;"><b>Income Taxes</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases along with operating loss and tax credit carryforwards, if any. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rate is recognized in income in the period that includes the enactment date.</p>
<div style="color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px; break-before: page;"><b><font size="2"></font></b>&#160;</div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company recognizes tax benefits from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from any such position would be measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. It is the Company&#8217;s policy to recognize interest and penalties accrued on any uncertain tax benefits as a component of income tax expense. The Company does not have any accrued interest or penalties associated with any unrecognized tax benefits, nor has the Company recognized any related interest or penalties during the three years ended March&#160;31, 2016.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;">The Company files income tax returns in the U.S. Federal jurisdiction and various State jurisdictions. The Company is no longer subject to U.S. Federal and State tax examinations for years before 2013. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months.</p>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueRecognitionPolicyTextBlock', window );">Revenue Recognition</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Revenue Recognition</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Interest income on finance receivables is recognized using the interest method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 60 days or more or the collateral is repossessed, whichever is earlier, or when the account is in Chapter 13 bankruptcy. Chapter 13 bankruptcy accounts are accounted for under the cost-recovery method. Interest income on Chapter 13 bankruptcy accounts does not resume until all principal amounts are recovered (see Note 3).</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">A dealer discount represents the difference between the finance receivable, net of unearned interest, of a Contract, and the amount of money the Company actually pays for the Contract. The discount negotiated by the Company is a function of the lender, the wholesale value of the vehicle, and competition in any given market. In making decisions regarding the purchase of a particular Contract the Company considers the following factors related to the borrower: place and length of residence; current and prior job status; history in making installment payments for automobiles; current income; and credit history. In addition, the Company examines its prior experience with Contracts purchased from the dealer from which the Company is purchasing the Contract, and the value of the automobile in relation to the purchase price and the term of the Contract. The dealer discount is amortized as an adjustment to yield using the interest method over the life of the loan. The average dealer discount, as a percent of the amount financed, associated with new volume for the fiscal years ended March&#160;31, 2016, 2015, and 2014 was 7.51%, 8.08% and 8.44%, respectively.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the Contract amount.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Deferred revenues consist primarily of commissions received from the sale of ancillary products. These products include automobile warranties, roadside assistance programs, accident and health insurance, credit life insurance and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company&#8217;s net costs for originating Direct Loans are deferred and recognized as an adjustment to the yield and are amortized over the life of the loan using the interest method.</p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings Per Share</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Earnings Per Share</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per share is calculated using the two-class method. Basic earnings per share is calculated by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period, which excludes the participating securities. Diluted earnings per share includes the dilutive effect of additional potential common shares from stock compensation awards. Earnings per share have been computed based on the following weighted average number of common shares outstanding:</p>
<p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="72%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="10"><b>Fiscal Year ended March&#160;31,</b><br /><b>(In&#160;thousands,&#160;except&#160;earnings&#160;per&#160;share&#160;numbers)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Numerator:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income per consolidated statements of income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,379</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Allocation of earnings to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(170</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td
 valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Basic earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,727</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Weighted average participating securities outstanding</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(105</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
 border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1.60</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.40</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.38</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Diluted earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Undistributed earnings re-allocated to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,211</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>70</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">179</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">229</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average shares and dilutive potential common shares</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,692</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,192</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,325</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1.59</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.38</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.36</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
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<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 155,000, and 10,000 stock options were not included in the computation of diluted earnings per share for the years ended March&#160;31, 2016, 2015 and 2014 respectively, because their effect would have been anti-dilutive.</div>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Share-Based Payments</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Share-Based Payments</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively the vesting period). The Company estimates the fair value of option awards using the Black-Scholes option pricing model. The risk-free interest rate is based upon a U.S. Treasury instrument with a life that is similar to the expected term of the options. Expected volatility is based upon the historical volatility for the previous period equal to the expected term of the options. The expected term is based upon the average life of previously issued options. The expected dividend yield is based upon the yield expected on date of grant to occur over the term of the option. The fair value of non-vested restricted and performance shares are measured at the market price of a share on a grant date. The pool of excess tax benefits available to absorb future tax deficiencies is based on increases to shareholders&#8217; equity related to tax benefits from share-based compensation, combined with the tax on the cumulative incremental compensation costs previously included in pro forma net income disclosures as if the Company had applied the fair-value method to all awards.</div>
</div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock', window );">Fair Value Measurements</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Fair Value Measurements</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company measures specific assets and liabilities at fair value, which is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When applicable, the Company utilizes market data or assumptions that market participants would use in pricing the asset or liability under a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs about which little or no market data exists, therefore requiring an entity to develop its own assumptions (see Note 7).</div>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock', window );">Financial Instruments and Concentrations</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Financial Instruments and Concentrations</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company&#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), the line of credit, and interest rate swap agreements. Financial instruments that are exposed to concentrations of credit risk are primarily finance receivables and cash.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">As of March&#160;31, 2016, the Company operated in eighteen states through sixty-seven branch locations. Florida represented 29% of the finance receivables total as of March&#160;31, 2016. Ohio represented 14%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&#160;31, 2016. Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables. The Company provides credit during the normal course of business and performs ongoing credit evaluations of its customers.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company maintains reserves for potential credit losses which, when realized, have been within the range of management&#8217;s expectations. The Company perfects a primary security interest in all vehicles financed as a form of collateral.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The combined account balances the Company maintains at financial institutions typically exceed federally insured limits, and there is a concentration of credit risk related to accounts on deposit in excess of federally insured limits. The Company has not experienced any losses in such accounts and believes this risk of loss is not significant.</p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">Interest Rate Swap Agreements</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Interest Rate Swap Agreements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Interest rate swap agreements are reported as either assets or liabilities in the consolidated balance sheet at fair value. Interest rate swap agreements are not designated as cash-flow hedges, and accordingly, the changes in the fair value are recorded in earnings. The Company does not use interest rate swap agreements for speculative purposes (see Note 6).</p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_StatementOfCashFlowPolicyTextBlock', window );">Statements of Cash Flows</a></td>
<td class="text"><div>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Statements of Cash Flows</b></p>
<div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">Cash paid for income taxes for the years ended March&#160;31, 2016, 2015 and 2014 was approximately $8.5 million, $7.3 million and $10.8 million respectively. Cash paid for interest, including debt origination costs for the years ended March&#160;31, 2016, 2015 and 2014 was approximately $8.8 million, $6.1 million and $5.7 million respectively.</div>
</div><span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recent Accounting Pronouncements</a></td>
<td class="text"><p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 10pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;"><b>Recent Accounting Pronouncements</b></p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 6pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">In March 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued the Accounting Standards Update (&#8220;ASU&#8221;) 2016-09, &#8220;<i>Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&#8221;&#160;</i>which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. For public entities, ASU 2016-09 is effective for annual periods beginning after December&#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">In February 2016, the FASB issued ASU No.&#160;2016-02, &#8220;Leases&#8221;, intended to improve financial reporting about leasing transactions. The ASU affects all companies and other organizations that lease assets such as real estate, airplanes, and manufacturing equipment. &#8220;The ASU will require organizations that lease assets&#8212;referred to as &#8220;lessees&#8221;&#8212;to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The accounting by organizations that own the assets leased by the lessee&#8212;also known as lessor accounting&#8212; will remain largely unchanged from current U.S. GAAP. ASU 2016-02 is effective for annual periods beginning after December&#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">In January 2016, the FASB issued ASU No.&#160;2016-01, &#8220;Financial Instruments&#8212;Recognition and Measurement of Financial Assets and Liabilities,&#8221; which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &#8220;own credit&#8221;) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&#160;15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">In April 2015, the FASB issued ASU No.&#160;2015-03, &#8220;Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.&#8221; The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. In August 2015, the FASB issued ASU No.&#160;2015-15, since 2015-03 did not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. The SEC staff indicated they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The amendments are effective for financial statements issued for fiscal years beginning after December&#160;15, 2015, and interim periods within those fiscal years. Early adoption of the amendments is permitted. The Company does not believe the adoption of this ASU will have a significant impact on the consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">In May 2014, the FASB issued ASU No.&#160;2014-09, &#8220;Revenue from Contracts with Customers (Topic 606)&#8221;. The ASU requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU, and all subsequently issued clarifying ASUs, will replace most existing revenue recognition guidance in U.S. GAAP when it becomes effective. The standard permits the use of either the retrospective or cumulative effect transition method. On July&#160;9, 2015, the FASB approved the deferral of the effective date of ASU 2014-09 by one year. As a result, ASU 2014-09 will be effective for annual reporting periods beginning after December&#160;15, 2017, including interim periods within that reporting period. The ASU would permit public entities to adopt the ASU early, but not before the original effective date (i.e., annual periods beginning after December&#160;15, 2016). The Company has not yet selected a transition method and is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements.</p>
<p style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 12pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">The Company does not believe there are any other recently issued accounting standards that have not yet been adopted that will have a material impact on the Company&#8217;s consolidated financial statements.</p><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding long lived assets stated at net realizable value, including, if applicable, disposal assets to be sold that meet the criteria for "held for resale" assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding distribution of earnings in the form of cash, property or capital stock declared by the board of directors to be distributed to shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding checks disbursed for loan purchases which have not yet been funded.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for concentration of credit risk and determining the fair value of financial instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for regarding statement of cash flow.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of policy text block for tender offer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=64809438&amp;loc=d3e5614-111684<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.3A-03)<br> -URI http://asc.fasb.org/extlink&amp;oid=27015204&amp;loc=d3e355100-122828<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.3A-02)<br> -URI http://asc.fasb.org/extlink&amp;oid=27015204&amp;loc=d3e355033-122828<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConsolidationPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=d3e41620-113959<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(n))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5579240-113959<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5579245-113959<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=d3e41675-113959<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=d3e41638-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerSharePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerSharePolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementPolicyPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=d3e5093-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=65890831&amp;loc=d3e10133-111534<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=d3e5144-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(7))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b,d)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinanceLoansAndLeasesReceivablePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for charging off uncollectible financing receivables, including, but not limited to, factors and methodologies used in estimating the allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (a,b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
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</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32840-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 30<br> -Section 05<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=65884525&amp;loc=d3e40913-109327<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 740<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32809-109319<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=75116654&amp;loc=d3e32247-109318<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=75116654&amp;loc=d3e32280-109318<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Tables)<br></strong></div></th>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Numerator:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income per consolidated statements of income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,379</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Allocation of earnings to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(170</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Basic earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,727</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Weighted average participating securities outstanding</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(105</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1.60</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.40</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.38</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>Diluted earnings per share computation:</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,209</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Undistributed earnings re-allocated to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>&#8212;</b>&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,211</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="8"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
<td height="8" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,622</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,096</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, net of unearned interest and unearned dealer discounts</p>
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<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">274,402</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(12,265</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(11,325</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(12,889</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Indirect finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>303,919</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">281,042</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">261,513</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<div>&#160;</div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Schedule of an assessment of the credit quality by creditworthiness</a></td>
<td class="text"><p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 92%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="62%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="14"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="6"><b>2015</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Contracts</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Direct&#160;Loans</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Contracts</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Direct&#160;Loans</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Performing accounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>473,429</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,899</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>438,318</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,855</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Non-performing accounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>9,435</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>79</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,765</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>57</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Total</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>482,864</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,978</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right"
 valign="bottom"><b>443,083</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,912</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Chapter 13 bankruptcy accounts, net of unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,254</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>34</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>3,960</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>20</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Finance receivables, gross contract</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>487,118</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,012</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>447,043</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,932</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<div>&#160;</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock', window );">Schedule of information regarding delinquency rates</a></td>
<td class="text"><p style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</p>
<table align="center" style="width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="60%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="18"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 33.75pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Contracts</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross Balance<br />Outstanding</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31&#160;&#8211;&#160;60&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61&#160;&#8211;&#160;90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over<br />90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>March&#160;31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;482,864</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;17,466</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;6,069</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;3,366</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>&#160;26,901</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>3.61</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1.26</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.70</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>5.57</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">March 31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">443,083</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,694</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,435</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,330</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,459</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3.09</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.78</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.30</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.17</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;
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</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">410,532</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,713</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,944</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,897</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,554</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2.85</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.72</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.46</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.03</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="width: 44.2pt; font-family: 'times new roman'; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;"><b>Direct Loans</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Gross&#160;Balance<br />Outstanding</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>31&#160;&#8211;&#160;60&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2" nowrap="nowrap"><b>61&#160;&#8211;&#160;90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Over<br />90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;"><b>March&#160;31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,978</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>161</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>41</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>38</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>240</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1.47</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.37</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2.19</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">March 31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,912</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">122</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">42</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">15</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">179</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.12</td>
<td valign="bottom"
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.38</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.14</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.64</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">March 31, 2014</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,705</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">143</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">25</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">23</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">191</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.34</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.23</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.21</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.78</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
</table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember', window );">Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of reconciliation of the changes in the allowance for credit losses</a></td>
<td class="text"><div>
<div style="font: 12pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0pt; margin-bottom: 0pt; word-spacing: 0px; white-space: normal; widows: 1; -webkit-text-stroke-width: 0px;">&#160;</div>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="67%"></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br /><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at beginning of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,325</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,091</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>25,926</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">20,008</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">14,694</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(27,963</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(25,042</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(21,691</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2,977</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3,470</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3,795</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,265</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,325</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p
 style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
</div><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Schedule of finance receivables</a></td>
<td class="text"><table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="70%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, gross contract</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>11,012</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,932</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,731</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(2,346</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(2,367</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(2,311</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, net of unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>8,666</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,565</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,420</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(748</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(703</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(590</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Direct finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,918</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,862</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,830</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of reconciliation of the changes in the allowance for credit losses</a></td>
<td class="text"><table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="73%"></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="6%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>(In&#160;thousands)</b><br  /><b></b>2015<b></b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b></b>2014<b></b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at beginning of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>703</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">468</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>352</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">362</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">285</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(328</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(277</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(192</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Recoveries</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>21</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">28</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">29</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>748</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">703</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information regarding delinquency rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 55<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953803-111525<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953659-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest Rate Swap Agreements (Tables)<br></strong></div></th>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Disclosures (Tables)<br></strong></div></th>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1,849</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1,849</b></td>
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<td align="right" valign="bottom">3,388</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,388</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt;
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>311,837</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>311,837</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>311,837</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">March 31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">288,904</td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Line of credit:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;"><b>March 31, 2016</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>211,000</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>211,000</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
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<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt;
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,814</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
</div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of deferred tax assets and liabilities</a></td>
<td class="text"><div>
<table align="center" style="width: 76%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="82%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="6"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Allowance for credit losses not currently deductible for tax purposes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,918</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,552</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Share-based compensation</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>491</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">514</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Interest rate swap agreements</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>78</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">69</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Other items</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>128</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">226</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Deferred income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>6,615</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6,361</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Schedule of provision for income taxes reflects an effective tax rate</a></td>
<td class="text"><div>
<table align="center" style="width: 84%; text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 'times new roman'; font-size: 10pt; word-spacing: 0px; border-collapse: collapse; widows: 1; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="74%"></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="4%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="10"><b>(In thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2015</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>2014</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for income taxes at Federal statutory rate</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,037</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,134</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,981</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Increase (decrease) resulting from:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">State income taxes, net of Federal benefit</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>660</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">809</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,059</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Transaction costs</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(734</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">734</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Other</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>29</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">31</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">40</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td
 valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,814</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
</div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000;
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">725</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">2019</p>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">2021</p>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of future minimum payments required in the aggregate and for each of the five succeeding fiscal years for operating leases having initial or remaining noncancelable lease terms in excess of one year and the total minimum rentals to be received in the future under noncancelable subleases as of the balance sheet date.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Quarterly Results of Operations (Unaudited) (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"><b>Fiscal Year ended March&#160;31, 2016</b><br /><b>(In thousands, except earnings per share amounts)</b></td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Third<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Fourth<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Total revenue</p>
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<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>22,025</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>22,687</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>22,757</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>23,238</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="top">
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,989</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>7,513</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<td valign="top">
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>8,940</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>8,422</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>9,040</b></td>
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<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td valign="top">
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>5,955</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>5,297</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,425</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>4,428</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2,285</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2,041</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1,698</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>1,702</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
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<td>&#160;</td>
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<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income</p>
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<td valign="bottom"><b>$</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,256</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>2,727</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>2,726</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
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<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p
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</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Basic</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.48</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.43</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.36</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Diluted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.47</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.42</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.35</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;&#160;</b></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
<td height="16" colspan="16"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="14"><b>Fiscal Year ended March&#160;31, 2015</b><br /><b>(In thousands, except earnings per share amounts)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>First<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Second<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom"
 colspan="2"><b>Third<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom-color: #000000; border-bottom-width: 1pt; border-bottom-style: solid;" valign="bottom" colspan="2"><b>Fourth<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Total revenue</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,333</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,723</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,801</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">21,933</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,449</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,485</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,458</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,578</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,232</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,154</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,797</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,188</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Non-interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,921</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,089</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,408</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,935</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Operating income before income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,731</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,995</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,138</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,232</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,822</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,665</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,369</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,384</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 1px; border-top-style: solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Net income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,909</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">4,330</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,769</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,848</td>
<td valign="bottom" nowrap="nowrap">&#160;&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Earnings per share:</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Basic</p>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
<td
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
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<p style="text-indent: -1em; font-family: 'times new roman'; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Diluted</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">0.40</td>
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<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: #000000; border-top-width: 3px; border-top-style: double;">&#160;</p>
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<td>&#160;</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of quarterly financial data. Includes, but is not limited to, financial information for fiscal quarters, cumulative effect of a change in accounting principle and earnings per share data.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)-(j)<br> -URI http://asc.fasb.org/extlink&amp;oid=68076893&amp;loc=d3e1280-108306<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock</td>
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<td>nonnum:textBlockItemType</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6800188752">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Organization and Basis of Presentation (Detail Textuals) - Segment<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
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<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the revenue of wholly owned subsidiary as compared to the consolidated revenue of holding company.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812657712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Mar. 31, 2014 </div>
<div>$ / shares</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableLineItems', window );"><strong>Dividends Payable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Amount of Dividend</a></td>
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<tr class="ro">
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<tr class="re">
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear', window );">Date Declared</a></td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear', window );">Record Date</a></td>
<td class="text">Jun. 21,  2013<span></span>
</td>
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<tr class="ro">
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<td class="text">Jun. 28,  2013<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsAxis=nick_DateDeclaredAugust132013Member', window );">August 13, 2013</a></td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableLineItems', window );"><strong>Dividends Payable [Line Items]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Amount of Dividend</a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear', window );">Date Declared</a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear', window );">Record Date</a></td>
<td class="text">Sep. 20,  2013<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendPayableDateToBePaidDayMonthAndYear', window );">Date Paid</a></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends paid during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendPayableDateToBePaidDayMonthAndYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the declared dividend will be paid, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendPayableDateToBePaidDayMonthAndYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPayableDateDeclaredDayMonthAndYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the dividend to be paid was declared, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsPayableDateDeclaredDayMonthAndYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPayableDateOfRecordDayMonthAndYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the holder must own the stock to be entitled to the dividend, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsPayableDateOfRecordDayMonthAndYear</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:dateItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPayableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsPayableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsAxis=nick_DateDeclaredMay72013Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsAxis=nick_DateDeclaredMay72013Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsAxis=nick_DateDeclaredAugust132013Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsAxis=nick_DateDeclaredAugust132013Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>54
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6800020400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies - Summary of estimated useful lives of assets (Details 1)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember', window );">Automobiles</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives', window );">Estimated useful lives</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember', window );">Equipment</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives', window );">Estimated useful lives</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture and fixtures</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives', window );">Estimated useful lives</a></td>
<td class="text">7 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold improvements</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives', window );">Estimated useful lives</a></td>
<td class="text">Lesser of lease term or useful life (generally 6 - 7 years)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Describes the periods of time over which an entity anticipates to receive utility from its property, plant and equipment (that is, the periods of time over which an entity allocates the initial cost of its property, plant and equipment).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 35<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=68071081&amp;loc=d3e1205-110223<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:stringItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812361872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies - Basic and diluted earnings per share (Details 2) - USD ($)<br> $ / shares in Units, shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NumeratorAbstract', window );"><strong>Numerator:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income per consolidated statements of income</a></td>
<td class="nump">$ 2,726<span></span>
</td>
<td class="nump">$ 2,727<span></span>
</td>
<td class="nump">$ 3,256<span></span>
</td>
<td class="nump">$ 3,670<span></span>
</td>
<td class="nump">$ 3,848<span></span>
</td>
<td class="nump">$ 3,769<span></span>
</td>
<td class="nump">$ 4,330<span></span>
</td>
<td class="nump">$ 4,909<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsAndOtherAdjustments', window );">Less: Allocation of earnings to participating securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(170)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income allocated to common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,209<span></span>
</td>
<td class="nump">16,856<span></span>
</td>
<td class="nump">16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Basic earnings per share computation:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income allocated to common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,209<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities', window );">Weighted average common shares outstanding, including shares considered participating securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,727<span></span>
</td>
<td class="nump">12,013<span></span>
</td>
<td class="nump">12,096<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_WeightedAverageParticipatingSecuritiesOutstanding', window );">Less: Weighted average participating securities outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(105)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding for basic earnings per share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,622<span></span>
</td>
<td class="nump">12,013<span></span>
</td>
<td class="nump">12,096<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per share (in dollars per share)</a></td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.36<span></span>
</td>
<td class="nump">$ 0.43<span></span>
</td>
<td class="nump">$ 0.48<span></span>
</td>
<td class="nump">$ 0.34<span></span>
</td>
<td class="nump">$ 0.31<span></span>
</td>
<td class="nump">$ 0.36<span></span>
</td>
<td class="nump">$ 0.40<span></span>
</td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Diluted earnings per share computation:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income allocated to common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,209<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UndistributedEarningsDiluted', window );">Undistributed earnings re-allocated to participating securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted', window );">Net income allocated to common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,211<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding for basic earnings per share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,622<span></span>
</td>
<td class="nump">12,013<span></span>
</td>
<td class="nump">12,096<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements', window );">Incremental shares from stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">70<span></span>
</td>
<td class="nump">179<span></span>
</td>
<td class="nump">229<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average shares and dilutive potential common shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,692<span></span>
</td>
<td class="nump">12,192<span></span>
</td>
<td class="nump">12,325<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per share (in dollars per share)</a></td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.42<span></span>
</td>
<td class="nump">$ 0.47<span></span>
</td>
<td class="nump">$ 0.33<span></span>
</td>
<td class="nump">$ 0.30<span></span>
</td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.40<span></span>
</td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
<td class="nump">$ 1.36<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NumeratorAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NumeratorAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents Weighted average common shares outstanding, including shares considered participating securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_WeightedAverageParticipatingSecuritiesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Participating Securities Outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_WeightedAverageParticipatingSecuritiesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=65016374&amp;loc=d3e4984-109258<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasicAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDilutedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28A<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1500-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831255<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831270<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1377-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsAndOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate value of preferred stock dividends and other adjustments necessary to derive net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1377-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsAndOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UndistributedEarningsDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The earnings that is allocated to common stock and participating securities to the extent that each security may share in earnings as if all of the earnings for the period had been distributed. Includes the adjustments resulting from the assumption that dilutive securities were converted, options or warrants were exercised, or that other shares were issued upon the satisfaction of certain conditions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UndistributedEarningsDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of undistributed earnings (loss) allocated to participating securities for the diluted earnings (loss) per share or per unit calculation under the two-class method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=SL5780133-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1505-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Weighted-Average Number of Common Shares Outstanding<br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<head>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6802668160">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DividendDistributionWithholdingTaxPercentage', window );">Withholding tax payable percentage</a></td>
<td class="nump">5.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DividendDistributionWithholdingTaxPercentage">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the percentage of withholding tax payable by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DividendDistributionWithholdingTaxPercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
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<tr>
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<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812653968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 1) - USD ($)<br> shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 19, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 17, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Payment for common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 50<span></span>
</td>
<td class="nump">$ 70,409<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common shares outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,753<span></span>
</td>
<td class="nump">7,702<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_OfferTypeAxis=nick_TenderOfferMember', window );">Tender Offer</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Purchase of common stock</a></td>
<td class="nump">4,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Payment for common stock</a></td>
<td class="nump">$ 70,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfAggregateNumberOfCommonSharesPurchased', window );">Percentage of aggregate number of common shares purchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common shares outstanding</a></td>
<td class="nump">7,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfAggregateNumberOfCommonSharesPurchased">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents percentage of aggregate number of common shares purchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfAggregateNumberOfCommonSharesPurchased</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_SignificantAccountingPoliciesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line item represents significant accounting policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_SignificantAccountingPoliciesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_OfferTypeAxis=nick_TenderOfferMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_OfferTypeAxis=nick_TenderOfferMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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</body>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R35.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797369120">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 2) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables', window );">Unearned interest, dealer discounts and allowance for credit losses</a></td>
<td class="nump">$ 186.3<span></span>
</td>
<td class="nump">$ 169.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfReceivableInterestDiscount', window );">Average dealer discount associated with new volume</a></td>
<td class="nump">7.51%<span></span>
</td>
<td class="nump">8.08%<span></span>
</td>
<td class="nump">8.44%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Cash paid for income taxes</a></td>
<td class="nump">$ 8.5<span></span>
</td>
<td class="nump">$ 7.3<span></span>
</td>
<td class="nump">$ 10.8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Cash paid for interest, including debt origination costs</a></td>
<td class="nump">$ 8.8<span></span>
</td>
<td class="nump">$ 6.1<span></span>
</td>
<td class="nump">$ 5.7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents unearned interest, discounts and allowance of credit losses included in the face amount of finance receivables, that are shown as a deduction from the related receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfReceivableInterestDiscount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the percentage of finance receivable interest discount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfReceivableInterestDiscount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid for interest during the period net of cash paid for interest that is capitalized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R36.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794595168">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 3) - shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember', window );">Stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Number of stock options not included in the computation of diluted earnings per share</a></td>
<td class="nump">161,000<span></span>
</td>
<td class="nump">155,000<span></span>
</td>
<td class="nump">10,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Antidilution<br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Diluted Earnings Per Share<br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Contingent Stock Agreement<br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>60
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6811862208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 4)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Mar. 31, 2016 </div>
<div>State </div>
<div>Branch</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfStatesInWhichEntityOperates', window );">Number of states in which entity operates | State</a></td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NumberOfBranches', window );">Number of branches | Branch</a></td>
<td class="nump">67<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskBenchmarkDescription', window );">Concentration benchmark</a></td>
<td class="text">Of the remaining fourteen states, no one state represented more than 5% of the total finance receivables.<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Florida</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Concentration risk percentage</a></td>
<td class="nump">29.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Ohio</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Concentration risk percentage</a></td>
<td class="nump">14.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Georgia</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Concentration risk percentage</a></td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | North Carolina</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Concentration risk percentage</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents number of branches.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NumberOfBranches</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line item represents significant accounting policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">nick_SignificantAccountingPoliciesLineItems</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskBenchmarkDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Identifies or describes the benchmark that serves as the denominator in the calculation of the percentage of concentration risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 21<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13537-108611<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -URI http://asc.fasb.org/extlink&amp;oid=64851502&amp;loc=d3e6351-108592<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=64851502&amp;loc=d3e6404-108592<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13531-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskBenchmarkDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For an entity that discloses a concentration risk in relation to quantitative amount, which serves as the "benchmark" (or denominator) in the equation, this concept represents the concentration percentage derived from the division.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 18<br> -URI http://asc.fasb.org/extlink&amp;oid=64851502&amp;loc=d3e6351-108592<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13531-108611<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=64851502&amp;loc=d3e6404-108592<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 21<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13537-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskPercentage1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of states the entity operates in as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_FinanceReceivablesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementGeographicalAxis=stpr_FL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementGeographicalAxis=stpr_GA</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797477536">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Finance Receivables - Summary of contracts included in finance receivables (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
<th class="th"><div>Mar. 31, 2013</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Indirect finance receivables, net</a></td>
<td class="nump">$ 311,837<span></span>
</td>
<td class="nump">$ 288,904<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Indirect finance receivables, gross contract</a></td>
<td class="nump">487,118<span></span>
</td>
<td class="nump">447,043<span></span>
</td>
<td class="nump">$ 413,612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables', window );">Unearned interest</a></td>
<td class="num">(152,911)<span></span>
</td>
<td class="num">(136,896)<span></span>
</td>
<td class="num">(121,996)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableNetUnearnedInterest', window );">Indirect finance receivables, net of unearned interest</a></td>
<td class="nump">334,207<span></span>
</td>
<td class="nump">310,147<span></span>
</td>
<td class="nump">291,616<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_UnearnedDiscountIncludedInFinancingReceivables', window );">Unearned dealer discounts</a></td>
<td class="num">(18,023)<span></span>
</td>
<td class="num">(17,780)<span></span>
</td>
<td class="num">(17,214)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts', window );">Indirect finance receivables, net of unearned interest and unearned dealer discounts</a></td>
<td class="nump">316,184<span></span>
</td>
<td class="nump">292,367<span></span>
</td>
<td class="nump">274,402<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for credit losses</a></td>
<td class="num">(12,265)<span></span>
</td>
<td class="num">(11,325)<span></span>
</td>
<td class="num">(12,889)<span></span>
</td>
<td class="num">$ (16,091)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Indirect finance receivables, net</a></td>
<td class="nump">$ 303,919<span></span>
</td>
<td class="nump">$ 281,042<span></span>
</td>
<td class="nump">$ 261,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents amount of indirect finance receivables, net of unearned interest and unearned dealer discounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NotesReceivableNetUnearnedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment after deducting the amount of unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NotesReceivableNetUnearnedInterest</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_UnearnedDiscountIncludedInFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents unearned discounts (other than cash or quantity discounts and the like) included in the net amount of finance receivables, that are shown as a deduction from the related receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_UnearnedDiscountIncludedInFinancingReceivables</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65884687&amp;loc=d3e4519-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6799662144">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables - Summary of reconciliation of changes in allowance for credit losses on contracts (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance for Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">$ 7,513<span></span>
</td>
<td class="nump">$ 7,599<span></span>
</td>
<td class="nump">$ 6,177<span></span>
</td>
<td class="nump">$ 4,989<span></span>
</td>
<td class="nump">$ 5,188<span></span>
</td>
<td class="nump">$ 5,797<span></span>
</td>
<td class="nump">$ 5,154<span></span>
</td>
<td class="nump">$ 4,232<span></span>
</td>
<td class="nump">$ 26,278<span></span>
</td>
<td class="nump">$ 20,371<span></span>
</td>
<td class="nump">$ 14,979<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance for Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,265<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 11,325<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,325<span></span>
</td>
<td class="nump">12,889<span></span>
</td>
<td class="nump">16,091<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,926<span></span>
</td>
<td class="nump">20,008<span></span>
</td>
<td class="nump">14,694<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed', window );">Losses absorbed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(27,963)<span></span>
</td>
<td class="num">(25,042)<span></span>
</td>
<td class="num">(21,691)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,977<span></span>
</td>
<td class="nump">3,470<span></span>
</td>
<td class="nump">3,795<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,265<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 11,325<span></span>
</td>
<td class="nump">$ 12,265<span></span>
</td>
<td class="nump">$ 11,325<span></span>
</td>
<td class="nump">$ 12,889<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of allowance for credit losses absorbed.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinancingReceivableAllowanceForCreditLossesAbsorbed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797425648">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Finance Receivables - Direct loans included in finance receivables (Details 2) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
<th class="th"><div>Mar. 31, 2013</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Indirect finance receivables, net</a></td>
<td class="nump">$ 311,837<span></span>
</td>
<td class="nump">$ 288,904<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Direct finance receivables, gross contract</a></td>
<td class="nump">11,012<span></span>
</td>
<td class="nump">10,932<span></span>
</td>
<td class="nump">$ 10,731<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables', window );">Unearned interest</a></td>
<td class="num">(2,346)<span></span>
</td>
<td class="num">(2,367)<span></span>
</td>
<td class="num">(2,311)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableNetUnearnedInterest', window );">Indirect finance receivables, net of unearned interest</a></td>
<td class="nump">8,666<span></span>
</td>
<td class="nump">8,565<span></span>
</td>
<td class="nump">8,420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for credit losses</a></td>
<td class="num">(748)<span></span>
</td>
<td class="num">(703)<span></span>
</td>
<td class="num">(590)<span></span>
</td>
<td class="num">$ (468)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Indirect finance receivables, net</a></td>
<td class="nump">$ 7,918<span></span>
</td>
<td class="nump">$ 7,862<span></span>
</td>
<td class="nump">$ 7,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NotesReceivableNetUnearnedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment after deducting the amount of unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NotesReceivableNetUnearnedInterest</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65884687&amp;loc=d3e4519-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812248064">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables - Reconciliation of changes in allowance for credit losses on direct loans (Details 3) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance for Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">$ 7,513<span></span>
</td>
<td class="nump">$ 7,599<span></span>
</td>
<td class="nump">$ 6,177<span></span>
</td>
<td class="nump">$ 4,989<span></span>
</td>
<td class="nump">$ 5,188<span></span>
</td>
<td class="nump">$ 5,797<span></span>
</td>
<td class="nump">$ 5,154<span></span>
</td>
<td class="nump">$ 4,232<span></span>
</td>
<td class="nump">$ 26,278<span></span>
</td>
<td class="nump">$ 20,371<span></span>
</td>
<td class="nump">$ 14,979<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance for Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">703<span></span>
</td>
<td class="nump">590<span></span>
</td>
<td class="nump">468<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">352<span></span>
</td>
<td class="nump">362<span></span>
</td>
<td class="nump">285<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed', window );">Losses absorbed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(328)<span></span>
</td>
<td class="num">(277)<span></span>
</td>
<td class="num">(192)<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 703<span></span>
</td>
<td class="nump">$ 748<span></span>
</td>
<td class="nump">$ 703<span></span>
</td>
<td class="nump">$ 590<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of allowance for credit losses absorbed.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinancingReceivableAllowanceForCreditLossesAbsorbed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812412208">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Finance Receivables - Assessment of credit quality by creditworthiness (Details 4) - Finance receivables - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">$ 482,864<span></span>
</td>
<td class="nump">$ 443,083<span></span>
</td>
<td class="nump">$ 410,532<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts', window );">Finance receivables, gross contract</a></td>
<td class="nump">487,118<span></span>
</td>
<td class="nump">447,043<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts | Performing accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">473,429<span></span>
</td>
<td class="nump">438,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts | Non-performing accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">9,435<span></span>
</td>
<td class="nump">4,765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts | Chapter 13 bankrupt accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">4,254<span></span>
</td>
<td class="nump">3,960<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">10,978<span></span>
</td>
<td class="nump">10,912<span></span>
</td>
<td class="nump">$ 10,705<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts', window );">Finance receivables, gross contract</a></td>
<td class="nump">11,012<span></span>
</td>
<td class="nump">10,932<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | Performing accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">10,899<span></span>
</td>
<td class="nump">10,855<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | Non-performing accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | Chapter 13 bankrupt accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Total</a></td>
<td class="nump">$ 34<span></span>
</td>
<td class="nump">$ 20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents gross amount of notes receivable excluding chapter 13 bankrupt accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents gross amount of notes receivable including chapter 13 bankrupt account</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=nick_BankruptAccountsFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=nick_BankruptAccountsFinancingReceivableMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<head>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812148880">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Finance Receivables - Information regarding delinquency rates with respect to contracts and direct loans (Details 5) - Finance receivables - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Gross Balance Outstanding</a></td>
<td class="nump">$ 482,864<span></span>
</td>
<td class="nump">$ 443,083<span></span>
</td>
<td class="nump">$ 410,532<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue', window );">31 - 60 days (in percentage)</a></td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.09%<span></span>
</td>
<td class="nump">2.85%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue', window );">61 - 90 days (in percentage)</a></td>
<td class="nump">1.26%<span></span>
</td>
<td class="nump">0.78%<span></span>
</td>
<td class="nump">0.72%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Over 90 days (in percentage)</a></td>
<td class="nump">0.70%<span></span>
</td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.46%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">$ 26,901<span></span>
</td>
<td class="nump">$ 18,459<span></span>
</td>
<td class="nump">$ 16,554<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal', window );">Total (in percentage)</a></td>
<td class="nump">5.57%<span></span>
</td>
<td class="nump">4.17%<span></span>
</td>
<td class="nump">4.03%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts', window );">Gross Balance Outstanding</a></td>
<td class="nump">$ 10,978<span></span>
</td>
<td class="nump">$ 10,912<span></span>
</td>
<td class="nump">$ 10,705<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue', window );">31 - 60 days (in percentage)</a></td>
<td class="nump">1.47%<span></span>
</td>
<td class="nump">1.12%<span></span>
</td>
<td class="nump">1.34%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue', window );">61 - 90 days (in percentage)</a></td>
<td class="nump">0.37%<span></span>
</td>
<td class="nump">0.38%<span></span>
</td>
<td class="nump">0.23%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Over 90 days (in percentage)</a></td>
<td class="nump">0.35%<span></span>
</td>
<td class="nump">0.14%<span></span>
</td>
<td class="nump">0.21%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">$ 240<span></span>
</td>
<td class="nump">$ 179<span></span>
</td>
<td class="nump">$ 191<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal', window );">Total (in percentage)</a></td>
<td class="nump">2.19%<span></span>
</td>
<td class="nump">1.64%<span></span>
</td>
<td class="nump">1.78%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">31 - 60 days | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">$ 17,466<span></span>
</td>
<td class="nump">$ 13,694<span></span>
</td>
<td class="nump">$ 11,713<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">31 - 60 days | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">161<span></span>
</td>
<td class="nump">122<span></span>
</td>
<td class="nump">143<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">61 - 90 days | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">6,069<span></span>
</td>
<td class="nump">3,435<span></span>
</td>
<td class="nump">2,944<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">61 - 90 days | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Over 90 days | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">3,366<span></span>
</td>
<td class="nump">1,330<span></span>
</td>
<td class="nump">1,897<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Over 90 days | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total</a></td>
<td class="nump">$ 38<span></span>
</td>
<td class="nump">$ 15<span></span>
</td>
<td class="nump">$ 23<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents gross amount of notes receivable excluding chapter 13 bankrupt accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents percentage of financing receivables that are less than 60 days past due but more than 29 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfFinancingReceivableRecordedInvestment30To59DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents percentage of financing receivables that are less than 90 days past due but more than 59 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfFinancingReceivableRecordedInvestment60To89DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents percentage of financing receivables that are equal to or greater than 90 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents percentage of recorded Investment in financing receivables that are past due at the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PercentageOfFinancingReceivableRecordedInvestmentPastDueTotal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Recorded Investment in financing receivables that are past due at the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Recorded Investment<br> -URI http://asc.fasb.org/extlink&amp;oid=65880944<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember</td>
</tr>
<tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797641216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables (Detail Textuals) - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 311,837,000<span></span>
</td>
<td class="nump">$ 288,904,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Contracts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinanceReceivablesWeightedAverageInterestRate', window );">Weighted average contractual interest rate</a></td>
<td class="nump">22.67%<span></span>
</td>
<td class="nump">22.86%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 303,919,000<span></span>
</td>
<td class="nump">$ 281,042,000<span></span>
</td>
<td class="nump">$ 261,513,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Contracts | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfIndirectFinanceReceivables', window );">Initial term of the indirect finance receivables</a></td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Contracts | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfIndirectFinanceReceivables', window );">Initial term of the indirect finance receivables</a></td>
<td class="text">72 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Direct Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinanceReceivablesWeightedAverageInterestRate', window );">Weighted average contractual interest rate</a></td>
<td class="nump">25.72%<span></span>
</td>
<td class="nump">26.14%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 7,918,000<span></span>
</td>
<td class="nump">$ 7,862,000<span></span>
</td>
<td class="nump">$ 7,830,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinanceReceivablesPercentage', window );">Percentage of direct loan to total loan portfolio</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Direct Loans | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfDirectFinanceReceivables', window );">Initial term of the direct finance receivables</a></td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Finance receivables | Direct Loans | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfDirectFinanceReceivables', window );">Initial term of the direct finance receivables</a></td>
<td class="text">60 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 9,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinanceReceivablesPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents the percentage of the direct loan in the total loan portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinanceReceivablesPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinanceReceivablesWeightedAverageInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of finance receivables by type or by instrument at that time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinanceReceivablesWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_InitialTermsOfDirectFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents initial term of direct finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_InitialTermsOfDirectFinanceReceivables</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_InitialTermsOfIndirectFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents initial term of indirect finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_InitialTermsOfIndirectFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>68
<FILENAME>R45.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794355296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables (Detail Textuals 2)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PerformingAccountCriteriaMaximumPeriod', window );">Maximum criteria for receivable to be a performing account</a></td>
<td class="text">61 days<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NonPerformingAccountCriteriaMinimumPeriod', window );">Minimum criteria for receivable to be a non-performing account</a></td>
<td class="text">61 days<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DelinquentAccountCriteriaPeriod', window );">Criteria for receivable to be delinquent account</a></td>
<td class="text">120 days<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DelinquentAccountCriteriaPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the number of days after which the receivable account is considered as delinquent account which will be written off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DelinquentAccountCriteriaPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NonPerformingAccountCriteriaMinimumPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the number of days after which the receivable account is considered as non- performing account.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NonPerformingAccountCriteriaMinimumPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PerformingAccountCriteriaMaximumPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the number of days before which the receivable account is considered as performing account.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PerformingAccountCriteriaMaximumPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812127760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Property and Equipment - Summary (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
<td class="nump">$ 3,752<span></span>
</td>
<td class="nump">$ 3,108<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated Depreciation</a></td>
<td class="nump">2,462<span></span>
</td>
<td class="nump">2,236<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net Book Value</a></td>
<td class="nump">1,290<span></span>
</td>
<td class="nump">872<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember', window );">Automobiles</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
<td class="nump">623<span></span>
</td>
<td class="nump">613<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated Depreciation</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">365<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net Book Value</a></td>
<td class="nump">210<span></span>
</td>
<td class="nump">248<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember', window );">Equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
<td class="nump">1,473<span></span>
</td>
<td class="nump">906<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated Depreciation</a></td>
<td class="nump">664<span></span>
</td>
<td class="nump">516<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net Book Value</a></td>
<td class="nump">809<span></span>
</td>
<td class="nump">390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture and fixtures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
<td class="nump">512<span></span>
</td>
<td class="nump">486<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated Depreciation</a></td>
<td class="nump">408<span></span>
</td>
<td class="nump">391<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net Book Value</a></td>
<td class="nump">104<span></span>
</td>
<td class="nump">95<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold improvements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
<td class="nump">1,144<span></span>
</td>
<td class="nump">1,103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated Depreciation</a></td>
<td class="nump">977<span></span>
</td>
<td class="nump">964<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net Book Value</a></td>
<td class="nump">$ 167<span></span>
</td>
<td class="nump">$ 139<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<head>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6799808416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Line of Credit (Detail Textuals) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Jan. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LettersOfCreditOutstandingAmount', window );">Line of credit</a></td>
<td class="nump">$ 211,000<span></span>
</td>
<td class="nump">$ 199,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_LineOfCreditMember', window );">Line of credit facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Line of credit facility amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 225,000<span></span>
</td>
<td class="nump">$ 150,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Debt instrument basis spread on variable rate</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis', window );">Debt instrument description of variable rate basis</a></td>
<td class="text">1-month LIBOR<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin', window );">Floor on LIBOR rate</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd', window );">Interest rate</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage', window );">Unused line fee</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LettersOfCreditOutstandingAmount', window );">Line of credit</a></td>
<td class="nump">$ 211,000<span></span>
</td>
<td class="nump">$ 199,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity', window );">Amount available under the line of credit</a></td>
<td class="nump">$ 14,000<span></span>
</td>
<td class="nump">$ 26,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_LineOfCreditFacilityInterestRatePlusApplicableMargin">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The effective interest rate (Libor) plus the applicable margins the at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_LineOfCreditFacilityInterestRatePlusApplicableMargin</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The reference rate for the variable rate of the debt instrument, such as LIBOR or the US Treasury rate and the maturity of the reference rate used, such as three months or six months LIBOR.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentDescriptionOfVariableRateBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LettersOfCreditOutstandingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of the contingent obligation under letters of credit outstanding as of the reporting date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LettersOfCreditOutstandingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The effective interest rate at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The fee, expressed as a percentage of the line of credit facility, for available but unused credit capacity under the credit facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditFacilityAxis=us-gaap_LineOfCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditFacilityAxis=us-gaap_LineOfCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6639300272">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest Rate Swap Agreements - Summary of locations and amounts of losses in income (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1', window );">Periodic change in fair value of interest rate swap agreements</a></td>
<td class="num">$ (24)<span></span>
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<td class="num">$ (364)<span></span>
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<td class="nump">$ 688<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PeriodicSettlementsIncludedInInterestExpense', window );">Periodic settlement differentials included in interest expense</a></td>
<td class="num">(343)<span></span>
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<td class="num">(393)<span></span>
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<td class="num">$ (367)<span></span>
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<td class="num">$ (757)<span></span>
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<td class="text">&#160;<span></span>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PeriodicSettlementsIncludedInInterestExpense">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of periodic settlement differentials included in interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">nick_PeriodicSettlementsIncludedInInterestExpense</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_PreTaxIncomeLossGainRecognizedInIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents pre tax income (loss) gain recognized in income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PreTaxIncomeLossGainRecognizedInIncome</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:stringItemType</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) related to the fair value of interest rate derivatives designated as fair value hedging instruments, as offset by the gain (loss) on the hedged item to the extent that the fair value hedge is determined to be effective.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5618551-113959<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5624171-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794688608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest Rate Swap Agreements - Summary of variable rates received and fixed rates paid under swap (Details 1) - Interest Rate Swap<br></strong></div></th>
<th class="th" colspan="1">2 Months Ended</th>
<th class="th" colspan="1">5 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jul. 30, 2012</div></th>
<th class="th"><div>Jun. 04, 2012</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DerivativeAverageVariableInterestRateReceived', window );">Average variable rate received</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.26%<span></span>
</td>
<td class="nump">0.16%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DerivativeAverageFixedInterestRatePaid', window );">Average fixed rate paid</a></td>
<td class="nump">0.87%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">0.94%<span></span>
</td>
<td class="nump">0.94%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DerivativeAverageFixedInterestRatePaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average fixed interest rate related to the group of interest rate derivatives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DerivativeAverageFixedInterestRatePaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DerivativeAverageVariableInterestRateReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average variable interest rate related to the group of interest rate derivatives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DerivativeAverageVariableInterestRateReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812654352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest Rate Swap Agreements (Detail Textuals)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">2 Months Ended</th>
<th class="th" colspan="1">5 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Jul. 30, 2012 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Jun. 04, 2012 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2016 </div>
<div>Swap</div>
</th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfInterestRateDerivativesHeld', window );">Number of interest rate swap agreements | Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DerivativeAverageFixedInterestRatePaid', window );">Fixed rate paid</a></td>
<td class="nump">0.87%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">0.94%<span></span>
</td>
<td class="nump">0.94%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeTermOfContract', window );">Interest rate swap period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_DerivativeDescriptionOfVariableRateBasisTwo', window );">Description of variable rate of the interest rate</a></td>
<td class="text">1-month LIBOR<span></span>
</td>
<td class="text">1-month LIBOR<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_DerivativeNotionalAmount', window );">Derivative notional amount | $</a></td>
<td class="nump">$ 25.0<span></span>
</td>
<td class="nump">$ 25.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_DerivativeNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Article 12<br> -Section 13<br> -Sentence Column B<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">invest_DerivativeNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>invest_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DerivativeAverageFixedInterestRatePaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average fixed interest rate related to the group of interest rate derivatives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DerivativeAverageFixedInterestRatePaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DerivativeDescriptionOfVariableRateBasisTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The reference rate for the variable rate of the interest rate derivative, such as LIBOR or the US Treasury rate and the maturity of the reference rate used, such as three months or six months LIBOR.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_DerivativeDescriptionOfVariableRateBasisTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeTermOfContract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period the derivative contract is outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeTermOfContract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesFairValueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfInterestRateDerivativesHeld">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of interest rate derivative instruments held by the entity at the reporting date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5580258-113959<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5579245-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NumberOfInterestRateDerivativesHeld</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812391904">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Disclosures - Assets and liabilities recorded at fair value on recurring basis (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="num">$ (205)<span></span>
</td>
<td class="num">$ (181)<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis | Level 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis | Level 2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="num">(205)<span></span>
</td>
<td class="num">$ (181)<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis | Level 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="nump">0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring Basis | Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="num">$ (205)<span></span>
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<td class="num">$ (181)<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value as of the balance sheet date of interest rate derivative liabilities, which includes all such derivative instruments in hedging and nonhedging relationships that are recognized as liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestRateDerivativeLiabilitiesAtFairValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R52.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794748272">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Disclosures - Summary of financial instruments not measured at fair value (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">$ 1,849<span></span>
</td>
<td class="nump">$ 3,388<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">211,000<span></span>
</td>
<td class="nump">$ 199,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">311,837<span></span>
</td>
<td class="nump">$ 288,904<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">1,849<span></span>
</td>
<td class="nump">$ 3,388<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">311,837<span></span>
</td>
<td class="nump">288,904<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">211,000<span></span>
</td>
<td class="nump">199,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">1,849<span></span>
</td>
<td class="nump">3,388<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">311,837<span></span>
</td>
<td class="nump">288,904<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">$ 211,000<span></span>
</td>
<td class="nump">$ 199,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LinesOfCreditFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Line-of-Credit Arrangement<br> -URI http://asc.fasb.org/extlink&amp;oid=6517033<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LinesOfCreditFairValueDisclosure</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of an agreement for an unconditional promise by the maker to pay the holder a definite sum of money at a future date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<head>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797630736">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Disclosures (Detail Textuals) - Finance receivables<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2016</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts | Minimum</a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems', window );"><strong>Financial Instruments Not Measured At Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</a></td>
<td class="text">12 months<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Contracts | Maximum</a></td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems', window );"><strong>Financial Instruments Not Measured At Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</a></td>
<td class="text">72 months<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems', window );"><strong>Financial Instruments Not Measured At Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</a></td>
<td class="text">12 months<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems', window );"><strong>Financial Instruments Not Measured At Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</a></td>
<td class="text">60 months<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_InitialTermsOfFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents initial term of finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_InitialTermsOfFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794748560">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Provision for income taxes (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Current:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,931<span></span>
</td>
<td class="nump">$ 7,688<span></span>
</td>
<td class="nump">$ 8,709<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">1,196<span></span>
</td>
<td class="nump">1,395<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Total current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,980<span></span>
</td>
<td class="nump">8,884<span></span>
</td>
<td class="nump">10,104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Deferred:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(221)<span></span>
</td>
<td class="nump">308<span></span>
</td>
<td class="nump">1,474<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="nump">236<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Total deferred</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(292)<span></span>
</td>
<td class="nump">356<span></span>
</td>
<td class="nump">1,710<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">$ 1,702<span></span>
</td>
<td class="nump">$ 1,698<span></span>
</td>
<td class="nump">$ 2,041<span></span>
</td>
<td class="nump">$ 2,285<span></span>
</td>
<td class="nump">$ 2,384<span></span>
</td>
<td class="nump">$ 2,369<span></span>
</td>
<td class="nump">$ 2,665<span></span>
</td>
<td class="nump">$ 1,822<span></span>
</td>
<td class="nump">$ 7,726<span></span>
</td>
<td class="nump">$ 9,240<span></span>
</td>
<td class="nump">$ 11,814<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentStateAndLocalTaxExpenseBenefit</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=63044130<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredFederalIncomeTaxExpenseBenefit</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=63044130<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=63044130<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6639067328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Income Taxes -  Significant components of the company's deferred tax assets (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for credit losses not currently deductible for tax purposes</a></td>
<td class="nump">$ 5,918<span></span>
</td>
<td class="nump">$ 5,552<span></span>
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<td class="nump">491<span></span>
</td>
<td class="nump">514<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsDerivativeInstruments', window );">Interest rate swap agreements</a></td>
<td class="nump">78<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other items</a></td>
<td class="nump">128<span></span>
</td>
<td class="nump">226<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Deferred income taxes</a></td>
<td class="nump">$ 6,615<span></span>
</td>
<td class="nump">$ 6,361<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsDerivativeInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from derivative instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=68052875&amp;loc=d3e28680-109314<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32621-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsDerivativeInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32621-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=68052875&amp;loc=d3e28680-109314<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=68052875&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=68052875&amp;loc=d3e28680-109314<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Provision for income taxes reflects an effective U.S tax rate, which differs from the corporate tax rate (Details 2) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
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<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">660<span></span>
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<td class="nump">809<span></span>
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<td class="nump">1,059<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">0<span></span>
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<td class="num">(734)<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">29<span></span>
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<td class="nump">31<span></span>
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<td class="nump">40<span></span>
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<td class="nump">$ 1,702<span></span>
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<td class="nump">$ 1,698<span></span>
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<td class="nump">$ 2,041<span></span>
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<td class="nump">$ 2,285<span></span>
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<td class="nump">$ 2,384<span></span>
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<td class="nump">$ 2,369<span></span>
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<td class="nump">$ 2,665<span></span>
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<td class="nump">$ 1,822<span></span>
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<td class="nump">$ 7,726<span></span>
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<td class="nump">$ 9,240<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents information about non-deductible transaction costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32698-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherAdjustments</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32698-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32687-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>duration</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6793891680">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Detail Textuals) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Income tax rate</a></td>
<td class="nump">38.43%<span></span>
</td>
<td class="nump">35.41%<span></span>
</td>
<td class="nump">41.73%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationNondeductibleExpense', window );">Non-deductible expenses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2.1<span></span>
</td>
<td class="nump">$ 2.1<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32698-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationNondeductibleExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to nondeductible expenses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32698-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationNondeductibleExpense</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794643120">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments - Summary of weighted-average assumptions (Details) - Stock options<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
<td class="nump">1.58%<span></span>
</td>
<td class="nump">1.68%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Weighted average expected original term</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
<td class="nump">23.00%<span></span>
</td>
<td class="nump">23.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend yield</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">3.65%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<TYPE>XML
<SEQUENCE>82
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6800519648">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments - Summary of option activity under the equity plans (Details 1) - Stock options<br> $ / shares in Units, shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Mar. 31, 2016 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>Weighted Average Exercise Price</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted | $ / shares</a></td>
<td class="nump">$ 3.01<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityPlansMember', window );">Equity plans</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at March 31, 2015</a></td>
<td class="nump">363<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at March 31, 2016</a></td>
<td class="nump">357<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at March 31, 2016</a></td>
<td class="nump">198<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>Weighted Average Exercise Price</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at March 31, 2015 | $ / shares</a></td>
<td class="nump">$ 9.86<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted | $ / shares</a></td>
<td class="nump">12.95<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised | $ / shares</a></td>
<td class="nump">6.45<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited | $ / shares</a></td>
<td class="nump">10.07<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at March 31, 2016 | $ / shares</a></td>
<td class="nump">10.07<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at March 31, 2016 | $ / shares</a></td>
<td class="nump">$ 7.75<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Weighted Average Remaining Contractual Term</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Outstanding at March 31, 2016</a></td>
<td class="text">5 years 9 months<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Exercisable at March 31, 2016</a></td>
<td class="text">4 years 15 days<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract', window );"><strong>Aggregate Intrinsic Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Outstanding at March 31, 2016 | $</a></td>
<td class="nump">$ 725<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Exercisable at March 31, 2016 | $</a></td>
<td class="nump">$ 725<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of options outstanding, including both vested and non-vested options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of vested portions of options outstanding and currently exercisable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for vested portions of options outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for option awards outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=nick_EquityPlansMember</td>
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<head>
<title></title>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6812210272">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments - Summary of the status of the company's non-vested restricted shares (Details 2) - Restricted Share Awards<br> $ / shares in Units, shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Mar. 31, 2016 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted</a></td>
<td class="nump">38<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember', window );">Equity plan</a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Shares</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested at March 31, 2015</a></td>
<td class="nump">89<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted</a></td>
<td class="nump">38<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested</a></td>
<td class="num">(45)<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Forfeited</a></td>
<td class="nump">0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested at March 31, 2016</a></td>
<td class="nump">82<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested at March 31, 2015 | $ / shares</a></td>
<td class="nump">$ 13.56<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted | $ / shares</a></td>
<td class="nump">13.27<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested | $ / shares</a></td>
<td class="nump">12.93<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Forfeited | $ / shares</a></td>
<td class="nump">0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested at March 31, 2016 | $ / shares</a></td>
<td class="nump">$ 13.78<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract', window );"><strong>Weighted Average Remaining Contractual Term</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms', window );">Non-vested at March 31, 2016</a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward', window );"><strong>Aggregate Intrinsic Value</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested', window );">Non-vested at March 31, 2016 | $</a></td>
<td class="nump">$ 879<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue</td>
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<td>num:perShareItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for equity-based awards excluding options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Intrinsic value of equity-based compensation awards not vested. Excludes stock and unit options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6797547568">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments (Detail Textuals)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
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<tr>
<th class="th">
<div>Mar. 31, 2016 </div>
<div>USD ($) </div>
<div>EquityPlan </div>
<div>$ / shares </div>
<div>shares</div>
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<th class="th">
<div>Mar. 31, 2015 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2014 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Aug. 13, 2015 </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NumberOfShareBasedCompensationPlans', window );">Number of share-based compensation plans | EquityPlan</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed', window );">Fair value pricing method</a></td>
<td class="text">Black-Scholes option-pricing model<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Number of stock options granted</a></td>
<td class="nump">10,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Weighted average fair value of stock options granted | $ / shares</a></td>
<td class="nump">$ 3.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Total intrinsic value of options exercised | $</a></td>
<td class="nump">$ 82,000<span></span>
</td>
<td class="nump">$ 1,829,000<span></span>
</td>
<td class="nump">$ 699,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember', window );">2006 Plan | Stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Contractual terms of options granted</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember', window );">2006 Plan | Stock options | Board of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Number of shares authorized to grant</a></td>
<td class="nump">1,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period for stock awards</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember', window );">2006 Plan | Stock options | Employees and Non-Employee Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period for stock awards</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember', window );">2006 Plan | Restricted Share Awards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period for stock awards</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member', window );">2015 Plan | Stock options | Board of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Number of shares authorized to grant</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">750,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_NumberOfShareBasedCompensationPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents number of share based compensation plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_NumberOfShareBasedCompensationPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For each plan, identification of the award pricing model or other valuation method used in calculating the weighted average fair values disclosed. The model is also used to calculate the compensation expense that is shown within the balance sheet, income statement, and cash flow. Examples of valuation techniques are lattice models (binomial model), closed-form models (Black-Scholes-Merton formula), and a Monte Carlo simulation technique. Fair value is the amount at which an asset or liability could be bought or incurred or sold or settled in a current transaction between willing parties, that is, other than in a forced or liquidation sale. May include disclosures about the assumptions underlying application of the method selected.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated difference between fair value of underlying shares on dates of exercise and exercise price on options exercised (or share units converted) into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for option awards outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=nick_EquityIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TitleOfIndividualAxis=nick_EmployeesAndDirectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TitleOfIndividualAxis=nick_EmployeesAndDirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6800517824">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments (Detail Textuals 1) - USD ($)<br> $ / shares in Units, shares in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Cash received from exercise of option</a></td>
<td class="nump">$ 85,000<span></span>
</td>
<td class="nump">$ 389,000<span></span>
</td>
<td class="nump">$ 329,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Number of stock options exercised</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Number of stock options forfeited</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Cash received from exercise of option</a></td>
<td class="nump">$ 85,000<span></span>
</td>
<td class="nump">389,000<span></span>
</td>
<td class="nump">329,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxExpenseFromStockOptionsExercised', window );">Income tax benefits</a></td>
<td class="nump">31,000<span></span>
</td>
<td class="nump">$ 700,000<span></span>
</td>
<td class="nump">$ 267,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 246,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted-average period expected to be recognized</a></td>
<td class="text">2 years 7 months 6 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Stock options | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice', window );">Exercise price of stock options exercised</a></td>
<td class="nump">$ 1.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice', window );">Exercise price of stock options forfeited</a></td>
<td class="nump">3.60<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Stock options | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice', window );">Exercise price of stock options exercised</a></td>
<td class="nump">10.96<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice', window );">Exercise price of stock options forfeited</a></td>
<td class="nump">$ 10.96<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 643,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted-average period expected to be recognized</a></td>
<td class="text">1 year 9 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Number of shares awarded</a></td>
<td class="nump">38<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents price at which option holders acquired shares when converting their stock options into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>nick_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxExpenseFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax expense from write-off of the deferred tax asset related to deductible stock options at exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=65896087&amp;loc=d3e11283-113907<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxExpenseFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average period over which unrecognized compensation is expected to be recognized for equity-based compensation plans, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unrecognized cost of unvested options awarded to employees as compensation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3255-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
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<td><strong> Balance Type:</strong></td>
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<head>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6593833280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Detail Textuals) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract', window );"><strong>Employee Benefits and Share-Based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Retirement plan 401(k) recorded expenses</a></td>
<td class="nump">$ 7,000<span></span>
</td>
<td class="nump">$ 7,000<span></span>
</td>
<td class="nump">$ 7,000<span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the cost recognized during the period for defined contribution plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=49170846&amp;loc=d3e28014-114942<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedContributionPlanCostRecognized</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6800065184">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitments and Contingencies - Summary of annual minimum rental payments (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Mar. 31, 2016 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">2017</a></td>
<td class="nump">$ 2,101<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears', window );">2018</a></td>
<td class="nump">1,610<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears', window );">2019</a></td>
<td class="nump">1,164<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears', window );">2020</a></td>
<td class="nump">581<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears', window );">2021</a></td>
<td class="nump">79<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDue', window );">Total</a></td>
<td class="nump">$ 5,535<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</html>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6636061056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies (Detail Textuals) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeaseAndRentalExpense', window );">Rent expense</a></td>
<td class="nump">$ 2.3<span></span>
</td>
<td class="nump">$ 2.1<span></span>
</td>
<td class="nump">$ 2.0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeaseAndRentalExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of rent expense incurred for leased assets, including but not limited to, furniture and equipment, that is not directly or indirectly associated with the manufacture, sale or creation of a product or product line.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeaseAndRentalExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.5.0.1</span><table class="report" border="0" cellspacing="2" id="idp6794747648">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Quarterly Results of Operations (Unaudited) - Summary (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Sep. 30, 2016</div></th>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Sep. 30, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
<th class="th"><div>Mar. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialDataAbstract', window );"><strong>Quarterly Financial Data [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenue</a></td>
<td class="nump">$ 23,238<span></span>
</td>
<td class="nump">$ 22,757<span></span>
</td>
<td class="nump">$ 22,687<span></span>
</td>
<td class="nump">$ 22,025<span></span>
</td>
<td class="nump">$ 21,933<span></span>
</td>
<td class="nump">$ 21,801<span></span>
</td>
<td class="nump">$ 21,723<span></span>
</td>
<td class="nump">$ 21,333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">2,257<span></span>
</td>
<td class="nump">2,311<span></span>
</td>
<td class="nump">2,273<span></span>
</td>
<td class="nump">2,166<span></span>
</td>
<td class="nump">1,578<span></span>
</td>
<td class="nump">1,458<span></span>
</td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">1,449<span></span>
</td>
<td class="nump">$ 9,007<span></span>
</td>
<td class="nump">$ 5,970<span></span>
</td>
<td class="nump">$ 5,678<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">7,513<span></span>
</td>
<td class="nump">7,599<span></span>
</td>
<td class="nump">6,177<span></span>
</td>
<td class="nump">4,989<span></span>
</td>
<td class="nump">5,188<span></span>
</td>
<td class="nump">5,797<span></span>
</td>
<td class="nump">5,154<span></span>
</td>
<td class="nump">4,232<span></span>
</td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<span></span>
</td>
<td class="nump">14,979<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
<td class="nump">9,040<span></span>
</td>
<td class="nump">8,422<span></span>
</td>
<td class="nump">8,940<span></span>
</td>
<td class="nump">8,915<span></span>
</td>
<td class="nump">8,935<span></span>
</td>
<td class="nump">8,408<span></span>
</td>
<td class="nump">8,089<span></span>
</td>
<td class="nump">8,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Operating income before income taxes</a></td>
<td class="nump">4,428<span></span>
</td>
<td class="nump">4,425<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
<td class="nump">5,955<span></span>
</td>
<td class="nump">6,232<span></span>
</td>
<td class="nump">6,138<span></span>
</td>
<td class="nump">6,995<span></span>
</td>
<td class="nump">6,731<span></span>
</td>
<td class="nump">20,105<span></span>
</td>
<td class="nump">26,096<span></span>
</td>
<td class="nump">28,517<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">1,702<span></span>
</td>
<td class="nump">1,698<span></span>
</td>
<td class="nump">2,041<span></span>
</td>
<td class="nump">2,285<span></span>
</td>
<td class="nump">2,384<span></span>
</td>
<td class="nump">2,369<span></span>
</td>
<td class="nump">2,665<span></span>
</td>
<td class="nump">1,822<span></span>
</td>
<td class="nump">7,726<span></span>
</td>
<td class="nump">9,240<span></span>
</td>
<td class="nump">11,814<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 2,726<span></span>
</td>
<td class="nump">$ 2,727<span></span>
</td>
<td class="nump">$ 3,256<span></span>
</td>
<td class="nump">$ 3,670<span></span>
</td>
<td class="nump">$ 3,848<span></span>
</td>
<td class="nump">$ 3,769<span></span>
</td>
<td class="nump">$ 4,330<span></span>
</td>
<td class="nump">$ 4,909<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<span></span>
</td>
<td class="nump">$ 16,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per share:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per share (in dollars per share)</a></td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.36<span></span>
</td>
<td class="nump">$ 0.43<span></span>
</td>
<td class="nump">$ 0.48<span></span>
</td>
<td class="nump">$ 0.34<span></span>
</td>
<td class="nump">$ 0.31<span></span>
</td>
<td class="nump">$ 0.36<span></span>
</td>
<td class="nump">$ 0.40<span></span>
</td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per share (in dollars per share)</a></td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.42<span></span>
</td>
<td class="nump">$ 0.47<span></span>
</td>
<td class="nump">$ 0.33<span></span>
</td>
<td class="nump">$ 0.30<span></span>
</td>
<td class="nump">$ 0.35<span></span>
</td>
<td class="nump">$ 0.40<span></span>
</td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="nump">$ 1.38<span></span>
</td>
<td class="nump">$ 1.36<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=65016374&amp;loc=d3e4984-109258<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=64863997&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=65882285&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=64930785&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831255<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=51831270<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=66902209&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_QuarterlyFinancialDataAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Revenues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=63488584&amp;loc=d3e20235-122688<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Revenues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
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<td>xbrli:monetaryItemType</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
